GMGZX vs. PTDIX
Compare and contrast key facts about GuideStone Funds MyDestination 2055 Fund (GMGZX) and Principal LifeTime 2040 Fund (PTDIX).
GMGZX is managed by GuideStone Funds. It was launched on Dec 29, 2011. PTDIX is managed by Principal. It was launched on Feb 28, 2001.
Performance
GMGZX vs. PTDIX - Performance Comparison
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GMGZX vs. PTDIX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
GMGZX GuideStone Funds MyDestination 2055 Fund | -2.05% | 19.19% | 15.12% | 19.50% | -17.62% | 17.15% | 13.94% | 24.93% | -8.09% | 21.75% |
PTDIX Principal LifeTime 2040 Fund | -1.98% | 15.59% | 17.43% | 18.33% | -18.13% | 15.35% | 16.04% | 24.91% | -7.95% | 20.69% |
Returns By Period
The year-to-date returns for both investments are quite close, with GMGZX having a -2.05% return and PTDIX slightly higher at -1.98%. Over the past 10 years, GMGZX has outperformed PTDIX with an annualized return of 10.39%, while PTDIX has yielded a comparatively lower 9.73% annualized return.
GMGZX
- 1D
- 2.74%
- 1M
- -5.58%
- YTD
- -2.05%
- 6M
- 0.50%
- 1Y
- 17.16%
- 3Y*
- 14.71%
- 5Y*
- 7.92%
- 10Y*
- 10.39%
PTDIX
- 1D
- 2.32%
- 1M
- -4.50%
- YTD
- -1.98%
- 6M
- -0.35%
- 1Y
- 13.16%
- 3Y*
- 14.22%
- 5Y*
- 7.08%
- 10Y*
- 9.73%
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GMGZX vs. PTDIX - Expense Ratio Comparison
GMGZX has a 0.42% expense ratio, which is higher than PTDIX's 0.01% expense ratio.
Return for Risk
GMGZX vs. PTDIX — Risk / Return Rank
GMGZX
PTDIX
GMGZX vs. PTDIX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for GuideStone Funds MyDestination 2055 Fund (GMGZX) and Principal LifeTime 2040 Fund (PTDIX). 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.
| GMGZX | PTDIX | Difference | |
|---|---|---|---|
Sharpe ratioReturn per unit of total volatility | 1.13 | 1.04 | +0.09 |
Sortino ratioReturn per unit of downside risk | 1.67 | 1.55 | +0.11 |
Omega ratioGain probability vs. loss probability | 1.24 | 1.22 | +0.02 |
Calmar ratioReturn relative to maximum drawdown | 1.60 | 1.40 | +0.20 |
Martin ratioReturn relative to average drawdown | 7.34 | 6.70 | +0.63 |
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
| GMGZX | PTDIX | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 1.13 | 1.04 | +0.09 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | 0.56 | 0.53 | +0.03 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | 0.69 | 0.71 | -0.01 |
Sharpe Ratio (All Time)Calculated using the full available price history | 0.55 | 0.46 | +0.09 |
Correlation
The correlation between GMGZX and PTDIX is 0.97, 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
GMGZX vs. PTDIX - Dividend Comparison
GMGZX's dividend yield for the trailing twelve months is around 3.91%, less than PTDIX's 10.00% yield.
| TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
GMGZX GuideStone Funds MyDestination 2055 Fund | 3.91% | 3.83% | 4.44% | 2.85% | 5.99% | 5.27% | 2.10% | 4.10% | 7.97% | 4.58% | 4.01% | 0.00% |
PTDIX Principal LifeTime 2040 Fund | 10.00% | 9.80% | 12.28% | 4.40% | 8.61% | 8.92% | 6.01% | 7.26% | 9.28% | 6.07% | 4.86% | 6.73% |
Drawdowns
GMGZX vs. PTDIX - Drawdown Comparison
The maximum GMGZX drawdown since its inception was -29.63%, smaller than the maximum PTDIX drawdown of -54.38%. Use the drawdown chart below to compare losses from any high point for GMGZX and PTDIX.
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Drawdown Indicators
| GMGZX | PTDIX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -29.63% | -54.38% | +24.75% |
Max Drawdown (1Y)Largest decline over 1 year | -10.97% | -9.72% | -1.25% |
Max Drawdown (5Y)Largest decline over 5 years | -25.16% | -25.43% | +0.27% |
Max Drawdown (10Y)Largest decline over 10 years | -29.63% | -30.02% | +0.39% |
Current DrawdownCurrent decline from peak | -6.64% | -5.17% | -1.47% |
Average DrawdownAverage peak-to-trough decline | -5.90% | -7.54% | +1.64% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 2.39% | 2.04% | +0.35% |
Volatility
GMGZX vs. PTDIX - Volatility Comparison
GuideStone Funds MyDestination 2055 Fund (GMGZX) has a higher volatility of 5.72% compared to Principal LifeTime 2040 Fund (PTDIX) at 4.94%. This indicates that GMGZX's price experiences larger fluctuations and is considered to be riskier than PTDIX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| GMGZX | PTDIX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 5.72% | 4.94% | +0.78% |
Volatility (6M)Calculated over the trailing 6-month period | 9.05% | 7.68% | +1.37% |
Volatility (1Y)Calculated over the trailing 1-year period | 15.62% | 13.16% | +2.46% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 14.31% | 13.48% | +0.83% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 15.00% | 13.80% | +1.20% |