GMFZX vs. URINX
Compare and contrast key facts about GuideStone Funds MyDestination 2045 Fund (GMFZX) and USAA Target Retirement Income Fund (URINX).
GMFZX is managed by GuideStone Funds. It was launched on Dec 28, 2006. URINX is managed by Victory. It was launched on Jul 30, 2008.
Performance
GMFZX vs. URINX - Performance Comparison
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GMFZX vs. URINX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
GMFZX GuideStone Funds MyDestination 2045 Fund | -1.90% | 18.22% | 14.21% | 18.70% | -17.40% | 16.30% | 13.82% | 24.26% | -7.79% | 20.91% |
URINX USAA Target Retirement Income Fund | 0.62% | 12.36% | 6.66% | 10.79% | -10.38% | 6.47% | 8.74% | 11.72% | -3.00% | 8.34% |
Returns By Period
In the year-to-date period, GMFZX achieves a -1.90% return, which is significantly lower than URINX's 0.62% return. Over the past 10 years, GMFZX has outperformed URINX with an annualized return of 9.95%, while URINX has yielded a comparatively lower 5.47% annualized return.
GMFZX
- 1D
- 2.55%
- 1M
- -5.22%
- YTD
- -1.90%
- 6M
- 0.48%
- 1Y
- 16.17%
- 3Y*
- 13.97%
- 5Y*
- 7.44%
- 10Y*
- 9.95%
URINX
- 1D
- 1.07%
- 1M
- -2.47%
- YTD
- 0.62%
- 6M
- 2.27%
- 1Y
- 10.88%
- 3Y*
- 8.94%
- 5Y*
- 4.52%
- 10Y*
- 5.47%
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GMFZX vs. URINX - Expense Ratio Comparison
GMFZX has a 0.38% expense ratio, which is higher than URINX's 0.04% expense ratio.
Return for Risk
GMFZX vs. URINX — Risk / Return Rank
GMFZX
URINX
GMFZX vs. URINX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for GuideStone Funds MyDestination 2045 Fund (GMFZX) and USAA Target Retirement Income Fund (URINX). 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 | URINX | Difference | |
|---|---|---|---|
Sharpe ratioReturn per unit of total volatility | 1.15 | 1.83 | -0.69 |
Sortino ratioReturn per unit of downside risk | 1.68 | 2.62 | -0.94 |
Omega ratioGain probability vs. loss probability | 1.25 | 1.38 | -0.13 |
Calmar ratioReturn relative to maximum drawdown | 1.61 | 2.52 | -0.91 |
Martin ratioReturn relative to average drawdown | 7.35 | 10.91 | -3.56 |
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month. | |||
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Sharpe Ratios by Period
| GMFZX | URINX | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 1.15 | 1.83 | -0.69 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | 0.56 | 0.73 | -0.17 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | 0.69 | 0.95 | -0.25 |
Sharpe Ratio (All Time)Calculated using the full available price history | 0.33 | 1.11 | -0.77 |
Correlation
The correlation between GMFZX and URINX 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. URINX - Dividend Comparison
GMFZX's dividend yield for the trailing twelve months is around 4.59%, less than URINX's 6.08% yield.
| TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
GMFZX GuideStone Funds MyDestination 2045 Fund | 4.59% | 4.50% | 5.87% | 3.27% | 6.81% | 5.46% | 2.36% | 3.33% | 7.99% | 4.37% | 3.97% | 19.91% |
URINX USAA Target Retirement Income Fund | 6.08% | 6.07% | 4.22% | 3.48% | 6.63% | 6.66% | 3.97% | 6.37% | 6.11% | 5.68% | 3.34% | 4.54% |
Drawdowns
GMFZX vs. URINX - Drawdown Comparison
The maximum GMFZX drawdown since its inception was -60.03%, which is greater than URINX's maximum drawdown of -15.27%. Use the drawdown chart below to compare losses from any high point for GMFZX and URINX.
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Drawdown Indicators
| GMFZX | URINX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -60.03% | -15.27% | -44.76% |
Max Drawdown (1Y)Largest decline over 1 year | -10.30% | -4.41% | -5.89% |
Max Drawdown (5Y)Largest decline over 5 years | -24.61% | -15.27% | -9.34% |
Max Drawdown (10Y)Largest decline over 10 years | -30.18% | -15.27% | -14.91% |
Current DrawdownCurrent decline from peak | -6.26% | -2.81% | -3.45% |
Average DrawdownAverage peak-to-trough decline | -9.74% | -1.93% | -7.81% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 2.26% | 1.02% | +1.24% |
Volatility
GMFZX vs. URINX - Volatility Comparison
GuideStone Funds MyDestination 2045 Fund (GMFZX) has a higher volatility of 5.38% compared to USAA Target Retirement Income Fund (URINX) at 2.61%. This indicates that GMFZX's price experiences larger fluctuations and is considered to be riskier than URINX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| GMFZX | URINX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 5.38% | 2.61% | +2.77% |
Volatility (6M)Calculated over the trailing 6-month period | 8.47% | 3.83% | +4.64% |
Volatility (1Y)Calculated over the trailing 1-year period | 14.53% | 6.07% | +8.46% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 13.48% | 6.23% | +7.25% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 14.39% | 5.79% | +8.60% |