GMTZX vs. FFGZX
GMTZX (GuideStone Funds MyDestination 2015 Fund) and FFGZX (Fidelity Freedom Index Income Fund Institutional Premium Class) are both Target Retirement Date funds. Over the past 10 years, GMTZX returned 5.93%/yr vs 4.26%/yr for FFGZX. Their correlation of 0.85 suggests significant overlap in exposure. GMTZX charges 0.36%/yr vs 0.08%/yr for FFGZX.
Performance
GMTZX vs. FFGZX - Performance Comparison
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Returns By Period
In the year-to-date period, GMTZX achieves a 4.98% return, which is significantly higher than FFGZX's 3.98% return. Over the past 10 years, GMTZX has outperformed FFGZX with an annualized return of 5.93%, while FFGZX has yielded a comparatively lower 4.26% annualized return.
GMTZX
- 1D
- 0.65%
- 1M
- 1.22%
- YTD
- 4.98%
- 6M
- 4.98%
- 1Y
- 13.03%
- 3Y*
- 9.64%
- 5Y*
- 4.65%
- 10Y*
- 5.93%
FFGZX
- 1D
- 0.47%
- 1M
- 0.81%
- YTD
- 3.98%
- 6M
- 4.04%
- 1Y
- 9.64%
- 3Y*
- 7.32%
- 5Y*
- 3.15%
- 10Y*
- 4.26%
GMTZX vs. FFGZX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
GMTZX GuideStone Funds MyDestination 2015 Fund | 4.98% | 11.55% | 7.50% | 10.86% | -13.11% | 6.74% | 9.16% | 15.10% | -3.68% | 11.68% |
FFGZX Fidelity Freedom Index Income Fund Institutional Premium Class | 3.98% | 9.13% | 5.02% | 8.32% | -11.07% | 2.85% | 8.59% | 10.68% | -0.80% | 6.73% |
Correlation
The correlation between GMTZX and FFGZX is 0.93, indicating a strong positive relationship between their price movements. Combining them offers limited diversification - they tend to fall together during downturns.
| Correlation | |
|---|---|
Correlation (1Y) Calculated over the trailing 1-year period | 0.93 |
Correlation (3Y) Calculated over the trailing 3-year period | 0.89 |
Correlation (5Y) Calculated over the trailing 5-year period | 0.87 |
Correlation (10Y) Calculated over the trailing 10-year period | 0.84 |
Correlation (All Time) Calculated using the full available price history since Jun 29, 2015 | 0.85 |
The correlation between GMTZX and FFGZX has been stable across timeframes, ranging from 0.84 to 0.93 - a consistent structural relationship.
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Return for Risk
GMTZX vs. FFGZX — Risk / Return Rank
GMTZX
FFGZX
GMTZX vs. FFGZX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for GuideStone Funds MyDestination 2015 Fund (GMTZX) and Fidelity Freedom Index Income Fund Institutional Premium Class (FFGZX). 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 | FFGZX | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | -0.14 | ||
| Sortino ratioReturn per unit of downside risk | -0.21 | ||
| Omega ratioGain probability vs. loss probability | 1.42 | 1.45 | -0.04 |
| Calmar ratioReturn relative to maximum drawdown | 2.60 | 2.91 | -0.31 |
| Martin ratioReturn relative to average drawdown | 11.67 | 12.65 | -0.98 |
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Drawdowns
GMTZX vs. FFGZX - Drawdown Comparison
The maximum GMTZX drawdown since its inception was -43.84%, which is greater than FFGZX's maximum drawdown of -14.94%. Use the drawdown chart below to compare losses from any high point for GMTZX and FFGZX.
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Drawdown Indicators
| GMTZX | FFGZX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -43.84% | -14.94% | -28.90% |
Max Drawdown (1Y)Largest decline over 1 year | -4.95% | -3.33% | -1.62% |
Max Drawdown (3Y)Largest decline over 3 years | -6.32% | -4.76% | -1.56% |
Max Drawdown (5Y)Largest decline over 5 years | -17.76% | -14.94% | -2.82% |
Max Drawdown (10Y)Largest decline over 10 years | -17.83% | -14.94% | -2.89% |
Current DrawdownCurrent decline from peak | -0.09% | -0.29% | +0.20% |
Average DrawdownAverage peak-to-trough decline | -4.89% | -2.26% | -2.63% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 1.10% | 0.76% | +0.34% |
Volatility
GMTZX vs. FFGZX - Volatility Comparison
GuideStone Funds MyDestination 2015 Fund (GMTZX) has a higher volatility of 2.58% compared to Fidelity Freedom Index Income Fund Institutional Premium Class (FFGZX) at 1.92%. This indicates that GMTZX's price experiences larger fluctuations and is considered to be riskier than FFGZX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| GMTZX | FFGZX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 2.58% | 1.92% | +0.66% |
Volatility (6M)Calculated over the trailing 6-month period | 5.16% | 3.69% | +1.47% |
Volatility (1Y)Calculated over the trailing 1-year period | 6.10% | 4.31% | +1.79% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 7.28% | 5.14% | +2.14% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 7.33% | 4.46% | +2.87% |
GMTZX vs. FFGZX - Expense Ratio Comparison
GMTZX has a 0.36% expense ratio, which is higher than FFGZX's 0.08% expense ratio.
Dividends
GMTZX vs. FFGZX - Dividend Comparison
GMTZX's dividend yield for the trailing twelve months is around 5.39%, more than FFGZX's 3.22% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
FFGZX Fidelity Freedom Index Income Fund Institutional Premium Class | 3.22% | 3.30% | 3.18% | 2.88% | 3.11% | 2.10% | 2.22% | 7.35% | 3.00% | 1.95% | 1.56% | 1.06% |
GMTZX GuideStone Funds MyDestination 2015 Fund | 5.39% | 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 0.93, GMTZX and FFGZX 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.
GMTZX has higher volatility (2.58%) compared to FFGZX (1.92%). In terms of maximum drawdown, GMTZX dropped -43.84% vs FFGZX's -14.94%.
FFGZX currently has the higher Sharpe Ratio (2.25 vs 2.11), 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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