GMHZX vs. SSBRX

Last updated Aug 5, 2026

GMHZX (GuideStone Funds MyDestination 2035 Fund) and SSBRX (State Street Target Retirement 2025 Fund) are both Target Retirement Date funds. Over the past 10 years, GMHZX returned 8.63%/yr vs 7.61%/yr for SSBRX. Their 0.96 correlation means they have historically moved very closely together. GMHZX charges 0.38%/yr vs 0.13%/yr for SSBRX.

Performance

GMHZX vs. SSBRX - Performance Comparison

The chart below illustrates the hypothetical performance of a $10,000 investment in GuideStone Funds MyDestination 2035 Fund (GMHZX) and State Street Target Retirement 2025 Fund (SSBRX). The values are adjusted to include any dividend payments, if applicable.

Returns By Period

In the year-to-date period, GMHZX achieves a 7.98% return, which is significantly higher than SSBRX's 6.58% return. Over the past 10 years, GMHZX has outperformed SSBRX with an annualized return of 8.63%, while SSBRX has yielded a comparatively lower 7.61% annualized return.

GMHZX

• 1D: 0.86%
• 1M: 0.63%
• 6M: 5.76%
• YTD: 7.98%
• 1Y: 15.20%
• 3Y*: 13.53%
• 5Y*: 6.71%
• 10Y*: 8.63%
• ALL TIME*: 6.13%

SSBRX

• 1D: 0.37%
• 1M: 0.45%
• 6M: 4.67%
• YTD: 6.58%
• 1Y: 12.12%
• 3Y*: 11.20%
• 5Y*: 4.99%
• 10Y*: 7.61%
• ALL TIME*: 7.10%

*Multi-year figures are annualized to reflect compound growth (CAGR)

Liquidity Comparison

Position	Avg. Volume Value (2W)	Avg. Volume Value (1M)	Avg. Volume Value (3M)
GMHZX GuideStone Funds MyDestination 2035 Fund	$0.00	$0.00	$0.00
SSBRX State Street Target Retirement 2025 Fund	$0.00	$0.00	$0.00

GMHZX vs. SSBRX - Yearly Performance Comparison

	2026 (YTD)	2025	2024	2023	2022	2021	2020	2019	2018	2017
GMHZX GuideStone Funds MyDestination 2035 Fund	7.98%	15.50%	11.48%	15.82%	-16.48%	13.07%	12.91%	22.18%	-6.84%	18.55%
SSBRX State Street Target Retirement 2025 Fund	6.58%	12.93%	8.73%	13.61%	-15.51%	10.03%	14.68%	20.73%	-5.47%	14.32%

Correlation

The correlation between GMHZX and SSBRX is 0.94, meaning they have usually moved in the same direction, including during past declines.

	Correlation
Correlation (1Y) Focuses on recent behavior, but can change the most.	0.94
Correlation (3Y) Balances recent behavior with more history.	0.95
Correlation (5Y) Shows whether the relationship held over a longer period.	0.96
Correlation (10Y) Provides a long-term view across more market conditions.	0.95
Correlation (All Time) Calculated using the full available price history since Oct 1, 2014	0.96

The correlation between GMHZX and SSBRX has been stable across timeframes, ranging from 0.94 to 0.96 - a consistent structural relationship.

Return for Risk

GMHZX vs. SSBRX — Risk / Return Rank

Compare historical risk-adjusted metric ranks over the past 12 months.

GMHZX

GMHZX Risk / Return Rank: 65
GMHZX Sharpe Ratio Rank: 65
GMHZX Sortino Ratio Rank: 65
GMHZX Omega Ratio Rank: 63
GMHZX Calmar Ratio Rank: 61
GMHZX Martin Ratio Rank: 73

SSBRX

SSBRX Risk / Return Rank: 86
SSBRX Sharpe Ratio Rank: 87
SSBRX Sortino Ratio Rank: 86
SSBRX Omega Ratio Rank: 85
SSBRX Calmar Ratio Rank: 81
SSBRX Martin Ratio Rank: 89

The rank (0–100) uses a weighted average of the Sharpe, Sortino, Omega, Calmar, and Martin percentile ranks for the trailing 12 months. Higher means stronger historical risk-adjusted performance within the peer group.

GMHZX vs. SSBRX - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for GuideStone Funds MyDestination 2035 Fund (GMHZX) and State Street Target Retirement 2025 Fund (SSBRX). 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.

	GMHZX	SSBRX	Difference
Sharpe ratio: Return per unit of total volatility	1.74	2.19	-0.45
Sortino ratio: Return per unit of downside risk	2.49	3.12	-0.63
Omega ratio: Gain probability vs. loss probability	1.32	1.42	-0.10
Calmar ratio: Return relative to maximum drawdown	2.33	2.92	-0.59
Martin ratio: Return relative to average drawdown	10.02	12.67	-2.65

GMHZX vs. SSBRX - Sharpe Ratio Comparison

The current GMHZX Sharpe Ratio is 1.74, which is comparable to the SSBRX Sharpe Ratio of 2.19. The chart below compares the historical Sharpe Ratios of GMHZX and SSBRX, calculated using daily returns over the previous 12 months. A higher Sharpe Ratio indicates better risk-adjusted performance relative to the risk-free rate.

Drawdowns

GMHZX vs. SSBRX - Drawdown Comparison

The maximum GMHZX drawdown since its inception was -56.35%, which is greater than SSBRX's maximum drawdown of -21.96%. Use the drawdown chart below to compare losses from any high point for GMHZX and SSBRX.

Drawdown Indicators

	GMHZX	SSBRX	Difference
Max Drawdown Largest peak-to-trough decline	-56.35%	-21.96%	-34.39%
Max Drawdown (1Y) Largest decline over 1 year	-7.05%	-4.44%	-2.61%
Max Drawdown (3Y) Largest decline over 3 years	-11.04%	-7.36%	-3.68%
Max Drawdown (5Y) Largest decline over 5 years	-22.86%	-21.13%	-1.73%
Max Drawdown (10Y) Largest decline over 10 years	-26.98%	-21.96%	-5.02%
Current Drawdown Current decline from peak	-0.08%	-0.15%	+0.07%
Average Drawdown Average peak-to-trough decline	-8.14%	-3.68%	-4.46%
Ulcer Index Depth and duration of drawdowns from previous peaks	1.64%	1.02%	+0.62%

Volatility

GMHZX vs. SSBRX - Volatility Comparison

GuideStone Funds MyDestination 2035 Fund (GMHZX) has a higher volatility of 2.83% compared to State Street Target Retirement 2025 Fund (SSBRX) at 1.51%. This indicates that GMHZX's price experiences larger fluctuations and is considered to be riskier than SSBRX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.

Volatility by Period

	GMHZX	SSBRX	Difference
Volatility (1M) Calculated over the trailing 1-month period	2.83%	1.51%	+1.32%
Volatility (6M) Calculated over the trailing 6-month period	7.92%	4.88%	+3.04%
Volatility (1Y) Calculated over the trailing 1-year period	9.46%	5.93%	+3.53%
Volatility (5Y) Calculated over the trailing 5-year period, annualized	11.25%	8.86%	+2.39%
Volatility (10Y) Calculated over the trailing 10-year period, annualized	12.13%	9.75%	+2.38%

GMHZX vs. SSBRX - Expense Ratio Comparison

GMHZX has a 0.38% expense ratio, which is higher than SSBRX's 0.13% expense ratio.

Dividends

GMHZX vs. SSBRX - Dividend Comparison

GMHZX's dividend yield for the trailing twelve months is around 5.24%, less than SSBRX's 5.69% yield.

Position	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
GMHZX GuideStone Funds MyDestination 2035 Fund	5.24%	5.66%	7.10%	3.67%	7.20%	5.38%	3.08%	3.40%	7.27%	3.86%	0.87%	19.84%
SSBRX State Street Target Retirement 2025 Fund	5.69%	6.07%	6.67%	4.60%	6.60%	6.44%	4.74%	6.58%	5.35%	0.60%	1.84%	2.38%

Frequently Asked Questions

Can I hold both GMHZX and SSBRX in my portfolio?

With a correlation of 0.94, GMHZX and SSBRX move almost identically. Holding both adds very little diversification - you're essentially doubling your position in the same market segment. Choosing one is usually more capital-efficient.

Which is riskier, GMHZX or SSBRX?

GMHZX has higher volatility (2.83%) compared to SSBRX (1.51%). In terms of maximum drawdown, GMHZX dropped -56.35% vs SSBRX's -21.96%.

Which has better risk-adjusted returns?

SSBRX currently has the higher Sharpe Ratio (2.19 vs 1.74), 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.