GFIZX vs. GLDYX
GFIZX (GuideStone Funds Conservative Allocation Fund) and GLDYX (GuideStone Funds Low-Duration Bond Fund) are both mutual funds - GFIZX is a Diversified Portfolio fund managed by GuideStone Funds, while GLDYX is a Short-Term Bond fund managed by GuideStone Funds. Over the past 10 years, GFIZX returned 4.10%/yr vs 2.24%/yr for GLDYX. Their 0.16 correlation means their historical movements had little consistent relationship. GFIZX charges 0.41%/yr vs 0.34%/yr for GLDYX.
Performance
GFIZX vs. GLDYX - Performance Comparison
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Returns By Period
In the year-to-date period, GFIZX achieves a 2.37% return, which is significantly higher than GLDYX's 0.73% return. Over the past 10 years, GFIZX has outperformed GLDYX with an annualized return of 4.10%, while GLDYX has yielded a comparatively lower 2.24% annualized return.
GFIZX
- 1D
- 0.69%
- 1M
- -0.51%
- 6M
- 1.66%
- YTD
- 2.37%
- 1Y
- 6.72%
- 3Y*
- 7.22%
- 5Y*
- 3.24%
- 10Y*
- 4.10%
- ALL TIME*
- 3.20%
GLDYX
- 1D
- 0.08%
- 1M
- -0.16%
- 6M
- 0.48%
- YTD
- 0.73%
- 1Y
- 2.83%
- 3Y*
- 4.81%
- 5Y*
- 2.14%
- 10Y*
- 2.24%
- ALL TIME*
- 1.24%
Liquidity Comparison
| Position | Avg. Volume Value (2W) | Avg. Volume Value (1M) | Avg. Volume Value (3M) |
|---|---|---|---|
| $0.00 | $0.00 | $0.00 | |
| $0.00 | $0.00 | $0.00 |
GFIZX vs. GLDYX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
GFIZX GuideStone Funds Conservative Allocation Fund | 2.37% | 9.46% | 6.69% | 8.80% | -10.17% | 3.82% | 6.93% | 10.74% | -2.13% | 7.11% |
GLDYX GuideStone Funds Low-Duration Bond Fund | 0.73% | 5.66% | 4.81% | 5.09% | -4.42% | -0.47% | 3.39% | 4.00% | 1.83% | 1.69% |
Correlation
The correlation between GFIZX and GLDYX is 0.56, which is moderate. They have sometimes moved together and sometimes differently, sharing some price drivers without tracking each other closely.
| Correlation | |
|---|---|
Correlation (1Y) Focuses on recent behavior, but can change the most. | 0.56 |
Correlation (3Y) Balances recent behavior with more history. | 0.49 |
Correlation (5Y) Shows whether the relationship held over a longer period. | 0.47 |
Correlation (10Y) Provides a long-term view across more market conditions. | 0.33 |
Correlation (All Time) Calculated using the full available price history since Jan 2, 2002 | 0.16 |
Over the past year, GFIZX and GLDYX have become more correlated (0.56) than their long-term average of 0.16, meaning their price movements have been converging.
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Return for Risk
GFIZX vs. GLDYX — Risk / Return Rank
GFIZX
GLDYX
GFIZX vs. GLDYX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for GuideStone Funds Conservative Allocation Fund (GFIZX) and GuideStone Funds Low-Duration Bond Fund (GLDYX). Risk-adjusted metrics are performance indicators that assess an investment's returns in relation to its risk, enabling a more accurate comparison of different investment options.
Values are calculated on a 1-year rolling basis and updated daily. Risk-adjusted metrics are more stable over longer periods — use the period switch above to explore them.
| GFIZX | GLDYX | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | -0.92 | ||
| Sortino ratioReturn per unit of downside risk | -1.54 | ||
| Omega ratioGain probability vs. loss probability | 1.27 | 1.52 | -0.25 |
| Calmar ratioReturn relative to maximum drawdown | 1.70 | 3.20 | -1.51 |
| Martin ratioReturn relative to average drawdown | 7.25 | 12.48 | -5.23 |
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Drawdowns
GFIZX vs. GLDYX - Drawdown Comparison
The maximum GFIZX drawdown since its inception was -18.90%, which is greater than GLDYX's maximum drawdown of -11.73%. Use the drawdown chart below to compare losses from any high point for GFIZX and GLDYX.
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Drawdown Indicators
| GFIZX | GLDYX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -18.90% | -11.73% | -7.17% |
Max Drawdown (1Y)Largest decline over 1 year | -3.98% | -1.04% | -2.94% |
Max Drawdown (3Y)Largest decline over 3 years | -5.54% | -1.04% | -4.50% |
Max Drawdown (5Y)Largest decline over 5 years | -14.03% | -6.68% | -7.35% |
Max Drawdown (10Y)Largest decline over 10 years | -14.03% | -6.68% | -7.35% |
Current DrawdownCurrent decline from peak | -0.85% | -0.31% | -0.54% |
Average DrawdownAverage peak-to-trough decline | -2.27% | -2.15% | -0.12% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 0.93% | 0.27% | +0.66% |
Volatility
GFIZX vs. GLDYX - Volatility Comparison
GuideStone Funds Conservative Allocation Fund (GFIZX) has a higher volatility of 1.50% compared to GuideStone Funds Low-Duration Bond Fund (GLDYX) at 0.51%. This indicates that GFIZX's price experiences larger fluctuations and is considered to be riskier than GLDYX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| GFIZX | GLDYX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 1.50% | 0.51% | +0.99% |
Volatility (6M)Calculated over the trailing 6-month period | 4.15% | 1.14% | +3.01% |
Volatility (1Y)Calculated over the trailing 1-year period | 4.82% | 1.43% | +3.39% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 5.47% | 1.84% | +3.63% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 5.38% | 1.56% | +3.82% |
GFIZX vs. GLDYX - Expense Ratio Comparison
GFIZX has a 0.41% expense ratio, which is higher than GLDYX's 0.34% expense ratio.
Dividends
GFIZX vs. GLDYX - Dividend Comparison
GFIZX's dividend yield for the trailing twelve months is around 5.56%, more than GLDYX's 3.75% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
GFIZX GuideStone Funds Conservative Allocation Fund | 5.56% | 5.69% | 4.75% | 3.73% | 4.69% | 3.63% | 2.89% | 4.47% | 3.27% | 1.59% | 1.17% | 7.25% |
GLDYX GuideStone Funds Low-Duration Bond Fund | 3.75% | 4.32% | 4.31% | 3.36% | 1.72% | 1.02% | 1.70% | 2.49% | 2.87% | 1.60% | 1.66% | 1.03% |
Frequently Asked Questions
GFIZX and GLDYX have a correlation of 0.56, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
GFIZX has higher volatility (1.50%) compared to GLDYX (0.51%). In terms of maximum drawdown, GFIZX dropped -18.90% vs GLDYX's -11.73%.
GLDYX currently has the higher Sharpe Ratio (2.32 vs 1.40), meaning it's delivered slightly more return per unit of risk over the trailing 12 months. However, this ranking shifts over time - use the Risk/Return Score above for a more comprehensive view that combines Sharpe, Sortino, and other measures used by quantitative funds.
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