GMFZX vs. SSFNX
Compare and contrast key facts about GuideStone Funds MyDestination 2045 Fund (GMFZX) and State Street Target Retirement Fund (SSFNX).
GMFZX is managed by GuideStone Funds. It was launched on Dec 28, 2006. SSFNX is managed by State Street. It was launched on Sep 29, 2014.
Performance
GMFZX vs. SSFNX - Performance Comparison
Loading graphics...
GMFZX vs. SSFNX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
GMFZX GuideStone Funds MyDestination 2045 Fund | -4.34% | 18.22% | 14.21% | 18.70% | -17.40% | 16.30% | 13.82% | 24.26% | -7.79% | 20.91% |
SSFNX State Street Target Retirement Fund | -0.35% | 10.93% | 7.05% | 10.73% | -12.21% | 6.87% | 10.26% | 13.97% | -2.49% | 8.92% |
Returns By Period
In the year-to-date period, GMFZX achieves a -4.34% return, which is significantly lower than SSFNX's -0.35% return. Over the past 10 years, GMFZX has outperformed SSFNX with an annualized return of 9.67%, while SSFNX has yielded a comparatively lower 5.41% annualized return.
GMFZX
- 1D
- -0.24%
- 1M
- -8.05%
- YTD
- -4.34%
- 6M
- -1.65%
- 1Y
- 13.68%
- 3Y*
- 13.02%
- 5Y*
- 7.17%
- 10Y*
- 9.67%
SSFNX
- 1D
- 0.18%
- 1M
- -3.35%
- YTD
- -0.35%
- 6M
- 1.07%
- 1Y
- 8.90%
- 3Y*
- 8.01%
- 5Y*
- 3.96%
- 10Y*
- 5.41%
Compare stocks, funds, or ETFs
Search for stocks, ETFs, and funds for a quick comparison or use the comparison tool for more options.
GMFZX vs. SSFNX - Expense Ratio Comparison
GMFZX has a 0.38% expense ratio, which is higher than SSFNX's 0.10% expense ratio.
Return for Risk
GMFZX vs. SSFNX — Risk / Return Rank
GMFZX
SSFNX
GMFZX vs. SSFNX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for GuideStone Funds MyDestination 2045 Fund (GMFZX) and State Street Target Retirement Fund (SSFNX). 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.
| GMFZX | SSFNX | Difference | |
|---|---|---|---|
Sharpe ratioReturn per unit of total volatility | 0.96 | 1.59 | -0.63 |
Sortino ratioReturn per unit of downside risk | 1.42 | 2.24 | -0.83 |
Omega ratioGain probability vs. loss probability | 1.21 | 1.35 | -0.14 |
Calmar ratioReturn relative to maximum drawdown | 1.18 | 1.93 | -0.75 |
Martin ratioReturn relative to average drawdown | 5.46 | 9.29 | -3.83 |
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month. | |||
Loading graphics...
Sharpe Ratios by Period
| GMFZX | SSFNX | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 0.96 | 1.59 | -0.63 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | 0.54 | 0.61 | -0.07 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | 0.68 | 0.83 | -0.15 |
Sharpe Ratio (All Time)Calculated using the full available price history | 0.33 | 0.77 | -0.44 |
Correlation
The correlation between GMFZX and SSFNX is 0.90, which is considered to be high. That indicates a strong positive relationship between their price movements. Having highly-correlated positions in a portfolio may signal a lack of diversification, potentially leading to increased risk during market downturns.
Dividends
GMFZX vs. SSFNX - Dividend Comparison
GMFZX's dividend yield for the trailing twelve months is around 4.71%, less than SSFNX's 4.88% yield.
| TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
GMFZX GuideStone Funds MyDestination 2045 Fund | 4.71% | 4.50% | 5.87% | 3.27% | 6.81% | 5.46% | 2.36% | 3.33% | 7.99% | 4.37% | 3.97% | 19.91% |
SSFNX State Street Target Retirement Fund | 4.88% | 4.86% | 5.78% | 5.26% | 5.12% | 6.69% | 1.61% | 3.35% | 4.40% | 2.72% | 1.84% | 2.05% |
Drawdowns
GMFZX vs. SSFNX - Drawdown Comparison
The maximum GMFZX drawdown since its inception was -60.03%, which is greater than SSFNX's maximum drawdown of -16.62%. Use the drawdown chart below to compare losses from any high point for GMFZX and SSFNX.
Loading graphics...
Drawdown Indicators
| GMFZX | SSFNX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -60.03% | -16.62% | -43.41% |
Max Drawdown (1Y)Largest decline over 1 year | -10.30% | -4.51% | -5.79% |
Max Drawdown (5Y)Largest decline over 5 years | -24.61% | -16.62% | -7.99% |
Max Drawdown (10Y)Largest decline over 10 years | -30.18% | -16.62% | -13.56% |
Current DrawdownCurrent decline from peak | -8.59% | -3.35% | -5.24% |
Average DrawdownAverage peak-to-trough decline | -9.74% | -2.55% | -7.19% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 2.22% | 0.94% | +1.28% |
Volatility
GMFZX vs. SSFNX - Volatility Comparison
GuideStone Funds MyDestination 2045 Fund (GMFZX) has a higher volatility of 4.53% compared to State Street Target Retirement Fund (SSFNX) at 1.92%. This indicates that GMFZX's price experiences larger fluctuations and is considered to be riskier than SSFNX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
Loading graphics...
Volatility by Period
| GMFZX | SSFNX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 4.53% | 1.92% | +2.61% |
Volatility (6M)Calculated over the trailing 6-month period | 8.09% | 3.23% | +4.86% |
Volatility (1Y)Calculated over the trailing 1-year period | 14.35% | 5.71% | +8.64% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 13.44% | 6.56% | +6.88% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 14.37% | 6.55% | +7.82% |