Fund Evaluator:

Goldman Sachs Growth Allocation Instl Overview

Goldman Sachs Growth Allocation Instl (GGSIX) is an actively managed Allocation Global Aggressive Allocation fund. Goldman Sachs launched the fund in 1998.

The investment seeks long-term capital appreciation and secondarily current income. Under normal conditions, the fund seeks to achieve its investment objective by investing approximately 80% of its assets (which allocation could be increased or decreased by up to 15%) in the underlying equity funds (or direct investments in the types of equity securities held by the underlying equity funds), and approximately 20% of its assets (which allocation could be increased or decreased by up to 15%) in the underlying fixed income funds (or direct investments in the types of fixed income securities held by the underlying fixed income funds).

About Goldman Sachs Growth Allocation Instl (GGSIX)

There are 2 members of the management team with an average tenure of 4.89 years: Alexandra Wilson-Elizondo (2022), Siwen Wu (2021). 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 Global Aggregate TR Hdg USD index with a weighting of 100%. Goldman Sachs Growth Allocation Instl has 160 securities in its portfolio. The top 10 holdings constitute 81.3% 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.

Goldman Sachs Growth Allocation Instl is part of the Allocation global asset class and is within the Allocation fund group. Goldman Sachs Growth Allocation Instl has 36.8% of its portfolio invested in foreign issues. The overall assets allocated to domestic stock is 53.4%. There is 33.4% allocated to foreign stock, and 0.0% is allocated to preferred stocks. The bond allocation as a percentage of total assets is 14.1% (10.7% domestic bond, 3.4% foreign bond and 0.0% convertible bond). Goldman Sachs Growth Allocation Instl has -0.9% of the portfolio in cash.

Assets Under Management

The fund has $397 million in total assets, which is above the $328 million average for the Global 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.

GGSIX 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 Goldman Sachs Growth Allocation Instl expense ratio is above average compared to funds in the Global Aggressive Allocation category. Goldman Sachs Growth Allocation Instl has an expense ratio of 0.60%, which is 41% lower than its category average, making the fund expense ratio grade a A. 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. Goldman Sachs Growth Allocation Instl has a portfolio turnover rate of 20%, indicating that holds its assets around 0.1 years. By way of comparison, the average portfolio turnover is 30% for the Global Aggressive Allocation category.

Recently, in the month of July 2026, Goldman Sachs Growth Allocation Instl returned -0.9%, which earned it a grade of C, as the Global Aggressive Allocation category had an average return of -0.9%. 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.

Goldman Sachs Growth Allocation Instl has a trailing yield of 2.57%, which is above the 1.37% 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.

Goldman Sachs Growth Allocation Instl Grades

Year to date, the fund has returned 8.7%, 1.8 percentage points worse than the category, which translates into a grade of F. The fund has returned 19.3% over the past year (grade of D), 15.4% over the past three years (grade of C) and 8.5% per year over the past five years (grade of B) and 10.2% per year over the past 10 years (grade of D).

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