Fund Evaluator:
GuideStone Funds Mod Agrsv Allc Inv (GCOZX)
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Best Performing in Global Moderately Aggressive Allocation Over the Last Year
| 21.6% | TOPS® Moderately Aggressive ETF 2 () |
| 21.4% | Victory Cornerstone Aggressive (UCAGX) |
| 19.9% | Fidelity Advisor Asset Manager 70% Z (FIQBX) |
| 19.8% | Fidelity Asset Manager 70% (FASGX) |
| 19.8% | Fidelity Multi-Asset Index (FFNOX) |
Fund Details
GuideStone Funds Mod Agrsv Allc Inv Overview
GuideStone Funds Mod Agrsv Allc Inv (GCOZX) is an actively managed Allocation Global Moderately Aggressive Allocation fund. GuideStone Funds launched the fund in 2001.
The investment seeks capital appreciation with modest current income. The fund, primarily through investments in the GuideStone Funds Select Funds, combines a greater percentage of equity securities with a smaller percentage of fixed income securities. The Adviser targets allocating 10-35% of the fund's assets in the Fixed income select funds, 65-90% in the Equity select funds, 0-15% in Impact asset class, 0-15% in Real assets select funds, and 0-15% in Alternative select funds. The Adviser may change the allocation ranges from time to time and may add or eliminate new or existing Select Funds without shareholder approval.
About GuideStone Funds Mod Agrsv Allc Inv (GCOZX)
There are 6 members of the management team with an average tenure of 3.80 years: Gordon Wotherspoon (2025), Richard Fong (2020), Brandon Pizzurro (2019), Jennifer Mihara (2024), Zach Olsen (2022), Joshua Chastant (2024). Management tenure is more important for actively managed funds than passive index funds.
The fund has 2 primary benchmarks: MSCI ACWI NR USD index with a weighting of 100% and Bloomberg US Agg Bond TR USD index with a weighting of 100%. GuideStone Funds Mod Agrsv Allc Inv has 40 securities in its portfolio. The top 10 holdings constitute 94.1% of the fund’s assets. The fund meets the SEC requirement of being classified as a diversified fund. The fund is not considered to have an ESG focus with its investment selection and management.
GuideStone Funds Mod Agrsv Allc Inv is part of the Allocation global asset class and is within the Allocation fund group. GuideStone Funds Mod Agrsv Allc Inv has 25.4% of its portfolio invested in foreign issues. The overall assets allocated to domestic stock is 55.0%. There is 24.7% allocated to foreign stock, and 0.1% is allocated to preferred stocks. The bond allocation as a percentage of total assets is 16.4% (15.7% domestic bond, 0.7% foreign bond and 0.6% convertible bond). GuideStone Funds Mod Agrsv Allc Inv has 3.2% of the portfolio in cash.
Assets Under Management
The fund has $878 million in total assets, which is below the $1 billion average for the Global Moderately Aggressive Allocation category. Normally, lower assets under management translates to higher average expense ratios, and greater total assets are desired. However, for some investment categories, such as small-cap investing, it may be difficult for the manager to fully employ the desired active strategy if assets grow too large or too quickly.
GCOZX Performance and Fees
The expense ratio measures how much of a fund’s assets are used for administrative expenses and operating expenses, including adviser fees and fees for the transfer agent and custodial services. The GuideStone Funds Mod Agrsv Allc Inv expense ratio is high compared to funds in the Global Moderately Aggressive Allocation category. GuideStone Funds Mod Agrsv Allc Inv has an expense ratio of 1.05%, which is 5% higher than its category average, making the fund expense ratio grade a D. While it is difficult to predict returns, it is known that high annual expense ratios reduce your rate of return, and excessive fees are difficult to overcome. Active management normally comes with higher expense ratios than passive index management. Certain investment categories such as small company and foreign also normally have higher expense ratios. It is best to compare fund expense ratios against the category averages for meaningful assessments.
High portfolio turnover can translate to higher expenses and lower aftertax returns. GuideStone Funds Mod Agrsv Allc Inv has a portfolio turnover rate of 25%, indicating that holds its assets around 0.0 years. By way of comparison, the average portfolio turnover is 32% for the Global Moderately Aggressive Allocation category.
Recently, in the month of July 2026, GuideStone Funds Mod Agrsv Allc Inv returned -0.8%, which earned it a grade of D, as the Global Moderately Aggressive Allocation category had an average return of 0.2%. The letter grades of A, B, C, D and F are based upon relative rankings within the investment category. A grade of A, for example, would indicate that the return is in the highest 20% for that time period compared to all funds in that category.
GuideStone Funds Mod Agrsv Allc Inv has a trailing yield of 2.28%, which is above the 1.98% category average. The fund normally distributes its income annually and its capital gains annually.
It’s natural to seek the best-performing investments, but you must consider the relationship between risk and return and the impact of costs and taxes on your realized returns.
GuideStone Funds Mod Agrsv Allc Inv Grades
Year to date, the fund has returned 7.9%, 1.9 percentage points worse than the category, which translates into a grade of F. The fund has returned 15.4% over the past year (grade of F), 13.1% over the past three years (grade of D) and 6.4% per year over the past five years (grade of D) and 8.7% per year over the past 10 years (grade of C).
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GCOZX Trailing NAV Total Returns Data as of 7/31/26
| Last Month |
Last Quarter |
Ann'l. 1Yr |
Ann'l. 3Yr |
Ann'l. 5Yr |
Ann'l. 10Yr |
|
| GCOZX Return (NAV) | -0.8% | 3.0% | 15.4% | 13.1% | 6.4% | 8.7% |
| GCOZX Grade | D | C | F | D | D | C |
| +/- Category | -1.0% | 0.1% | -3.0% | -0.9% | -1.3% | -0.2% |
| Global Moderately Aggressive Allocation Avg | 0.2% | 2.9% | 18.4% | 14.0% | 7.8% | 8.9% |
| GCOZX Tax Cost Ratio | na | na | 2.5% | 1.7% | 1.8% | 1.7% |
GCOZX Annual NAV Total ReturnsData as of 7/31/26
| 2026 | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | |
| GCOZX Return (NAV) | 7.9% | 16.1% | 12.0% | 16.6% | -18.0% | 11.6% | 13.0% | 22.3% | -7.5% | 18.6% | 7.1% |
| GCOZX Grade | F | C | B | B | D | F | C | B | B | B | C |
| +/- Category | -1.9% | -1.7% | 0.8% | 2.4% | -3.8% | -3.8% | 2.2% | 1.5% | 0.4% | 1.9% | -0.6% |
| Global Moderately Aggressive Allocation Avg | 9.8% | 17.8% | 11.2% | 14.2% | -14.3% | 15.4% | 10.8% | 20.9% | -7.9% | 16.7% | 7.6% |
| Risk Measures | |
| Standard Deviation: | 10.2% |
| Total Risk Index: | 0.83 - Average |
| Category Risk Index: | 0.96 - Below Average |
| Category Risk Grade: | B (27% Rank) |
| Beta: | 1.06 |
| R-Squared: | 95% |
| Leveraged Fund: | No |
| Inverse Fund: | No |
| Portfolio Characteristics | |
| Equity Investment Style: | Large-Cap Blend |
| Bond Investment Style: | na |
| Yield: | 2.3% |
| Dividend Distribution: | Annually |
| Cap Gains Distribution: | Annually |
| Total Assets: | $1283 Mil |
| Fund Total Assets: | $ 879 Mil |
| Share Class Type: | Other |
| Portfolio Turnover: | 25% |
Management Team
| Number of Managers: 6 | |||
| Longest Tenure: 7.3 years | |||
| Average Tenure: 3.8 years | |||
| Managers (Year): Pizzurro Brandon (2019), Fong Richard (2020), Olsen Zach (2022), Chastant Joshua (2024), Mihara Jennifer (2024), Wotherspoon Gordon (2025) | |||
Portfolio Composition (as of 6/30/26)
| # of Holdings: | 40 |
| % in Top 10 Holdings: | 94.1% |
| Fund is Non-Diversified: | No |
| % in Foreign Issues: | 25.4% |
Portfolio Allocation |
|
| Domestic Stock: | 55.0% |
| Foreign Stock: | 24.7% |
| Preferred Stock: | 0.1% |
| Domestic Bond: | 15.7% |
| Foreign Bond: | 0.7% |
| Convertible Bond: | 0.6% |
| Other: | 0.1% |
| Cash: | 3.2% |
Purchase Information
| Fund Family: | GuideStone Funds |
| Phone Number: | 888-473-8637 |
| Website: | www.guidestonefunds.org |
| Status: | Open |
| Inception Date: | August 27, 2001 |
| Min. Initial Purchase: | $1,000 |
| Min. Initial IRA Purchase: | $1,000 |
| True No-Load: | Yes |
| Front Load Maximum: | 0.00% |
| Deferred Charge Maximum: | 0.00% |
| Redemption Charge Maximum: | 0.00% |
| 12b-1 Fee: | na |
Expenses and Fees | |
| Expense Ratio (%): | 1.05% ( Rating : High ) |
| Category Average Expense Ratio (%): | 1.00% |
| Share Class: | GuideStone Funds Mod Agrsv Allc Inv |
| Min. Subsequent Purchase: | $ 100 |
| Min. Subsequent IRA Purchase: | $ 100 |
