GMTZX vs. FFBQX
GMTZX (GuideStone Funds MyDestination 2015 Fund) and FFBQX (Fidelity Freedom Blend 2065 Fund Class K6) are both Target Retirement Date funds. Over the past 5 years, GMTZX returned 4.18%/yr vs 10.58%/yr for FFBQX. Their correlation of 0.91 means they have usually moved in the same direction. GMTZX charges 0.36%/yr vs 0.29%/yr for FFBQX.
Performance
GMTZX vs. FFBQX - Performance Comparison
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Returns By Period
In the year-to-date period, GMTZX achieves a 4.78% return, which is significantly lower than FFBQX's 14.10% return.
GMTZX
- 1D
- 0.56%
- 1M
- 0.09%
- 6M
- 3.47%
- YTD
- 4.78%
- 1Y
- 9.66%
- 3Y*
- 9.46%
- 5Y*
- 4.18%
- 10Y*
- 5.64%
- ALL TIME*
- 4.84%
FFBQX
- 1D
- 1.25%
- 1M
- 0.68%
- 6M
- 9.59%
- YTD
- 14.10%
- 1Y
- 25.00%
- 3Y*
- 20.20%
- 5Y*
- 10.58%
- 10Y*
- —
- ALL TIME*
- 13.18%
Liquidity Comparison
| Position | Avg. Volume Value (2W) | Avg. Volume Value (1M) | Avg. Volume Value (3M) |
|---|---|---|---|
| $0.00 | $0.00 | $0.00 | |
| $0.00 | $0.00 | $0.00 |
GMTZX vs. FFBQX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | |
|---|---|---|---|---|---|---|---|---|
GMTZX GuideStone Funds MyDestination 2015 Fund | 4.78% | 11.55% | 7.50% | 10.86% | -13.11% | 6.74% | 9.16% | 5.04% |
FFBQX Fidelity Freedom Blend 2065 Fund Class K6 | 14.10% | 22.90% | 16.84% | 20.67% | -18.86% | 16.47% | 18.10% | 9.13% |
Correlation
The correlation between GMTZX and FFBQX 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. | 0.89 |
Correlation (5Y) Shows whether the relationship held over a longer period. | 0.91 |
Correlation (All Time) Calculated using the full available price history since Jun 28, 2019 | 0.91 |
The correlation between GMTZX and FFBQX has been stable across timeframes, ranging from 0.89 to 0.94 - a consistent structural relationship.
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Return for Risk
GMTZX vs. FFBQX — Risk / Return Rank
GMTZX
FFBQX
GMTZX vs. FFBQX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for GuideStone Funds MyDestination 2015 Fund (GMTZX) and Fidelity Freedom Blend 2065 Fund Class K6 (FFBQX). 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.
| GMTZX | FFBQX | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | -0.21 | ||
| Sortino ratioReturn per unit of downside risk | -0.18 | ||
| Omega ratioGain probability vs. loss probability | 1.32 | 1.34 | -0.03 |
| Calmar ratioReturn relative to maximum drawdown | 2.11 | 2.78 | -0.66 |
| Martin ratioReturn relative to average drawdown | 9.18 | 11.60 | -2.41 |
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Drawdowns
GMTZX vs. FFBQX - Drawdown Comparison
The maximum GMTZX drawdown since its inception was -43.84%, which is greater than FFBQX's maximum drawdown of -31.34%. Use the drawdown chart below to compare losses from any high point for GMTZX and FFBQX.
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Drawdown Indicators
| GMTZX | FFBQX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -43.84% | -31.34% | -12.50% |
Max Drawdown (1Y)Largest decline over 1 year | -4.95% | -9.67% | +4.72% |
Max Drawdown (3Y)Largest decline over 3 years | -6.32% | -15.51% | +9.19% |
Max Drawdown (5Y)Largest decline over 5 years | -17.76% | -27.60% | +9.84% |
Max Drawdown (10Y)Largest decline over 10 years | -17.83% | — | — |
Current DrawdownCurrent decline from peak | -0.37% | -0.56% | +0.19% |
Average DrawdownAverage peak-to-trough decline | -4.87% | -5.86% | +0.99% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 1.14% | 2.31% | -1.17% |
Volatility
GMTZX vs. FFBQX - Volatility Comparison
The current volatility for GuideStone Funds MyDestination 2015 Fund (GMTZX) is 1.94%, while Fidelity Freedom Blend 2065 Fund Class K6 (FFBQX) has a volatility of 4.52%. This indicates that GMTZX experiences smaller price fluctuations and is considered to be less risky than FFBQX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| GMTZX | FFBQX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 1.94% | 4.52% | -2.58% |
Volatility (6M)Calculated over the trailing 6-month period | 5.37% | 12.30% | -6.93% |
Volatility (1Y)Calculated over the trailing 1-year period | 6.29% | 14.32% | -8.03% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 7.32% | 15.37% | -8.05% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 7.29% | 17.27% | -9.98% |
GMTZX vs. FFBQX - Expense Ratio Comparison
GMTZX has a 0.36% expense ratio, which is higher than FFBQX's 0.29% expense ratio.
Dividends
GMTZX vs. FFBQX - Dividend Comparison
GMTZX's dividend yield for the trailing twelve months is around 5.40%, more than FFBQX's 3.32% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
FFBQX Fidelity Freedom Blend 2065 Fund Class K6 | 3.32% | 2.58% | 5.66% | 2.07% | 5.40% | 6.98% | 3.62% | 2.96% | 0.00% | 0.00% | 0.00% | 0.00% |
GMTZX GuideStone Funds MyDestination 2015 Fund | 5.40% | 5.66% | 6.34% | 3.77% | 7.27% | 5.35% | 3.64% | 4.01% | 6.38% | 2.62% | 1.45% | 15.43% |
Frequently Asked Questions
With a correlation of 0.94, GMTZX and FFBQX 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.
FFBQX has higher volatility (4.52%) compared to GMTZX (1.94%). In terms of maximum drawdown, GMTZX dropped -43.84% vs FFBQX's -31.34%.
FFBQX currently has the higher Sharpe Ratio (1.88 vs 1.67), 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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