GLDYX vs. GCOZX
GLDYX (GuideStone Funds Low-Duration Bond Fund) and GCOZX (GuideStone Funds Growth Allocation Fund) are both mutual funds - GLDYX is a Short-Term Bond fund managed by GuideStone Funds, while GCOZX is a Diversified Portfolio fund managed by GuideStone Funds. Over the past 10 years, GLDYX returned 2.27%/yr vs 8.86%/yr for GCOZX. At a correlation of -0.03, they often move in opposite directions. GLDYX charges 0.34%/yr vs 0.39%/yr for GCOZX.
Performance
GLDYX vs. GCOZX - Performance Comparison
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Returns By Period
In the year-to-date period, GLDYX achieves a 0.89% return, which is significantly lower than GCOZX's 8.43% return. Over the past 10 years, GLDYX has underperformed GCOZX with an annualized return of 2.27%, while GCOZX has yielded a comparatively higher 8.86% annualized return.
GLDYX
- 1D
- 0.16%
- 1M
- 0.08%
- 6M
- 0.81%
- YTD
- 0.89%
- 1Y
- 3.75%
- 3Y*
- 4.87%
- 5Y*
- 2.19%
- 10Y*
- 2.27%
GCOZX
- 1D
- 0.48%
- 1M
- -0.55%
- 6M
- 6.60%
- YTD
- 8.43%
- 1Y
- 16.61%
- 3Y*
- 13.74%
- 5Y*
- 6.61%
- 10Y*
- 8.86%
GLDYX vs. GCOZX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
GLDYX GuideStone Funds Low-Duration Bond Fund | 0.89% | 5.66% | 4.81% | 5.09% | -4.42% | -0.47% | 3.39% | 4.00% | 1.83% | 1.69% |
GCOZX GuideStone Funds Growth Allocation Fund | 8.43% | 16.13% | 12.05% | 16.57% | -18.06% | 11.60% | 12.96% | 22.39% | -7.50% | 18.61% |
Correlation
The correlation between GLDYX and GCOZX is 0.34, which is low. Their price movements are largely independent, making them effective diversification partners.
| Correlation | |
|---|---|
Correlation (1Y) Calculated over the trailing 1-year period | 0.34 |
Correlation (3Y) Calculated over the trailing 3-year period | 0.26 |
Correlation (5Y) Calculated over the trailing 5-year period | 0.24 |
Correlation (10Y) Calculated over the trailing 10-year period | 0.13 |
Correlation (All Time) Calculated using the full available price history since Jan 2, 2002 | -0.03 |
The correlation between GLDYX and GCOZX shifts across timeframes, from -0.03 (all time) to 0.34 (1 year), reflecting how their relationship changes across market environments.
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Return for Risk
GLDYX vs. GCOZX — Risk / Return Rank
GLDYX
GCOZX
GLDYX vs. GCOZX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for GuideStone Funds Low-Duration Bond Fund (GLDYX) and GuideStone Funds Growth Allocation Fund (GCOZX). 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.
| GLDYX | GCOZX | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | +1.16 | ||
| Sortino ratioReturn per unit of downside risk | +2.11 | ||
| Omega ratioGain probability vs. loss probability | 1.62 | 1.28 | +0.34 |
| Calmar ratioReturn relative to maximum drawdown | 3.55 | 2.00 | +1.55 |
| Martin ratioReturn relative to average drawdown | 14.84 | 8.57 | +6.28 |
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Drawdowns
GLDYX vs. GCOZX - Drawdown Comparison
The maximum GLDYX drawdown since its inception was -11.73%, smaller than the maximum GCOZX drawdown of -47.79%. Use the drawdown chart below to compare losses from any high point for GLDYX and GCOZX.
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Drawdown Indicators
| GLDYX | GCOZX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -11.73% | -47.79% | +36.06% |
Max Drawdown (1Y)Largest decline over 1 year | -1.04% | -8.07% | +7.03% |
Max Drawdown (3Y)Largest decline over 3 years | -1.04% | -12.39% | +11.35% |
Max Drawdown (5Y)Largest decline over 5 years | -6.68% | -25.19% | +18.51% |
Max Drawdown (10Y)Largest decline over 10 years | -6.68% | -27.50% | +20.82% |
Current DrawdownCurrent decline from peak | -0.08% | -0.75% | +0.67% |
Average DrawdownAverage peak-to-trough decline | -2.15% | -6.50% | +4.35% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 0.25% | 1.88% | -1.63% |
Volatility
GLDYX vs. GCOZX - Volatility Comparison
The current volatility for GuideStone Funds Low-Duration Bond Fund (GLDYX) is 0.45%, while GuideStone Funds Growth Allocation Fund (GCOZX) has a volatility of 3.35%. This indicates that GLDYX experiences smaller price fluctuations and is considered to be less risky than GCOZX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| GLDYX | GCOZX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 0.45% | 3.35% | -2.90% |
Volatility (6M)Calculated over the trailing 6-month period | 1.07% | 9.11% | -8.04% |
Volatility (1Y)Calculated over the trailing 1-year period | 1.39% | 10.80% | -9.41% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 1.83% | 12.16% | -10.33% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 1.56% | 12.66% | -11.10% |
GLDYX vs. GCOZX - Expense Ratio Comparison
GLDYX has a 0.34% expense ratio, which is lower than GCOZX's 0.39% expense ratio.
Dividends
GLDYX vs. GCOZX - Dividend Comparison
GLDYX's dividend yield for the trailing twelve months is around 4.09%, less than GCOZX's 8.84% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
GCOZX GuideStone Funds Growth Allocation Fund | 8.84% | 9.59% | 3.47% | 3.37% | 9.49% | 6.85% | 4.94% | 9.42% | 4.24% | 4.71% | 5.71% | 19.06% |
GLDYX GuideStone Funds Low-Duration Bond Fund | 4.09% | 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
GLDYX and GCOZX have a correlation of 0.34, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
GCOZX has higher volatility (3.35%) compared to GLDYX (0.45%). In terms of maximum drawdown, GLDYX dropped -11.73% vs GCOZX's -47.79%.
GLDYX currently has the higher Sharpe Ratio (2.65 vs 1.50), 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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