GMTZX vs. GGIZX
GMTZX (GuideStone Funds MyDestination 2015 Fund) and GGIZX (GuideStone Funds Balanced Allocation Fund) are both mutual funds - GMTZX is a Target Retirement Date fund managed by GuideStone Funds, while GGIZX is a Diversified Portfolio fund managed by GuideStone Funds. Over the past 10 years, GMTZX returned 6.05%/yr vs 6.55%/yr for GGIZX. With a 0.97 correlation, they move nearly in lockstep. GMTZX charges 0.36%/yr vs 0.38%/yr for GGIZX.
Performance
GMTZX vs. GGIZX - 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 GGIZX's 5.10% return. Over the past 10 years, GMTZX has underperformed GGIZX with an annualized return of 6.05%, while GGIZX has yielded a comparatively higher 6.55% annualized return.
GMTZX
- 1D
- -0.19%
- 1M
- 1.03%
- YTD
- 4.78%
- 6M
- 4.58%
- 1Y
- 12.26%
- 3Y*
- 9.80%
- 5Y*
- 4.50%
- 10Y*
- 6.05%
GGIZX
- 1D
- -0.08%
- 1M
- 1.21%
- YTD
- 5.10%
- 6M
- 4.92%
- 1Y
- 13.02%
- 3Y*
- 10.71%
- 5Y*
- 4.41%
- 10Y*
- 6.55%
GMTZX vs. GGIZX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
GMTZX GuideStone Funds MyDestination 2015 Fund | 4.78% | 11.55% | 7.50% | 10.86% | -13.11% | 6.74% | 9.16% | 15.10% | -3.68% | 11.68% |
GGIZX GuideStone Funds Balanced Allocation Fund | 5.10% | 12.49% | 8.34% | 12.32% | -15.60% | 6.94% | 10.66% | 17.36% | -4.88% | 12.31% |
Correlation
The correlation between GMTZX and GGIZX is 0.98 - these two move nearly in lockstep. At this level, holding both provides almost no diversification benefit. If you already own one, adding the other does little to reduce portfolio risk.
| Correlation | |
|---|---|
Correlation (1Y) Calculated over the trailing 1-year period | 0.98 |
Correlation (3Y) Calculated over the trailing 3-year period | 0.98 |
Correlation (5Y) Calculated over the trailing 5-year period | 0.98 |
Correlation (10Y) Calculated over the trailing 10-year period | 0.98 |
Correlation (All Time) Calculated using the full available price history since Jan 3, 2007 | 0.97 |
The correlation between GMTZX and GGIZX has been stable across timeframes, ranging from 0.97 to 0.98 - a consistent structural relationship.
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Return for Risk
GMTZX vs. GGIZX — Risk / Return Rank
GMTZX
GGIZX
GMTZX vs. GGIZX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for GuideStone Funds MyDestination 2015 Fund (GMTZX) and GuideStone Funds Balanced Allocation Fund (GGIZX). 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 | GGIZX | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | +0.19 | ||
| Sortino ratioReturn per unit of downside risk | +0.33 | ||
| Omega ratioGain probability vs. loss probability | 1.42 | 1.37 | +0.05 |
| Calmar ratioReturn relative to maximum drawdown | 2.60 | 2.32 | +0.28 |
| Martin ratioReturn relative to average drawdown | 11.68 | 10.12 | +1.55 |
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Drawdowns
GMTZX vs. GGIZX - Drawdown Comparison
The maximum GMTZX drawdown since its inception was -43.84%, which is greater than GGIZX's maximum drawdown of -36.00%. Use the drawdown chart below to compare losses from any high point for GMTZX and GGIZX.
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Drawdown Indicators
| GMTZX | GGIZX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -43.84% | -36.00% | -7.84% |
Max Drawdown (1Y)Largest decline over 1 year | -4.95% | -5.87% | +0.92% |
Max Drawdown (3Y)Largest decline over 3 years | -6.32% | -7.91% | +1.59% |
Max Drawdown (5Y)Largest decline over 5 years | -17.76% | -21.33% | +3.57% |
Max Drawdown (10Y)Largest decline over 10 years | -17.83% | -21.33% | +3.50% |
Current DrawdownCurrent decline from peak | -0.28% | -0.24% | -0.04% |
Average DrawdownAverage peak-to-trough decline | -4.89% | -4.38% | -0.51% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 1.10% | 1.35% | -0.25% |
Volatility
GMTZX vs. GGIZX - Volatility Comparison
The current volatility for GuideStone Funds MyDestination 2015 Fund (GMTZX) is 2.50%, while GuideStone Funds Balanced Allocation Fund (GGIZX) has a volatility of 2.81%. This indicates that GMTZX experiences smaller price fluctuations and is considered to be less risky than GGIZX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| GMTZX | GGIZX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 2.50% | 2.81% | -0.31% |
Volatility (6M)Calculated over the trailing 6-month period | 5.14% | 5.94% | -0.80% |
Volatility (1Y)Calculated over the trailing 1-year period | 6.11% | 7.11% | -1.00% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 7.28% | 8.46% | -1.18% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 7.33% | 8.72% | -1.39% |
GMTZX vs. GGIZX - Expense Ratio Comparison
GMTZX has a 0.36% expense ratio, which is lower than GGIZX's 0.38% expense ratio.
Dividends
GMTZX vs. GGIZX - Dividend Comparison
GMTZX's dividend yield for the trailing twelve months is around 5.40%, less than GGIZX's 7.82% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
GGIZX GuideStone Funds Balanced Allocation Fund | 7.82% | 8.22% | 4.40% | 4.06% | 7.00% | 5.66% | 4.76% | 6.52% | 4.46% | 2.42% | 3.23% | 16.23% |
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 0.98, GMTZX and GGIZX 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.
GGIZX has higher volatility (2.81%) compared to GMTZX (2.50%). In terms of maximum drawdown, GMTZX dropped -43.84% vs GGIZX's -36.00%.
GMTZX currently has the higher Sharpe Ratio (2.11 vs 1.92), 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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