Fund Evaluator:
GuideStone Funds MyDestination 2055 Inv (GMGZX)
Follow This Fund
Best Performing in Target-Date 2055 Over the Last Year
| 23.7% | Fidelity Advisor Freedom Blend 2055 Z (FHPEX) |
| 23.1% | Fidelity Advisor Sust Trgt Dt 2055 Z (FSZNX) |
| 23.0% | Fidelity Advisor Sust Trgt Dt 2055 I (FSZMX) |
| 22.7% | BlackRock LifePath® Dyn 2055 Investor A (LPVAX) |
| 22.1% | BlackRock LifePath ESG Index 2055 Inv A (LEVAX) |
Fund Details
GuideStone Funds MyDestination 2055 Inv Overview
GuideStone Funds MyDestination 2055 Inv (GMGZX) is an actively managed Allocation Target-Date 2055 fund. GuideStone Funds launched the fund in 2011.
The investment seeks the highest total return over time consistent with its asset mix. The fund pursues its objective by investing primarily in a diversified portfolio of GuideStone Funds Select Funds that represent various asset classes. It is managed to the specific retirement year included in its name ("Target Date") and assumes a retirement age of 65. The Target Date refers to the approximate year an investor in the fund would plan to retire and likely stop making new investments in the fund. At the Target Date, the fund's allocation to equities will be approximately 49% of its assets.
About GuideStone Funds MyDestination 2055 Inv (GMGZX)
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 1-3 Yr US Treasury TR USD index with a weighting of 100%. GuideStone Funds MyDestination 2055 Inv has 39 securities in its portfolio. The top 10 holdings constitute 101.1% 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 MyDestination 2055 Inv is part of the Allocation global asset class and is within the Allocation fund group. GuideStone Funds MyDestination 2055 Inv has 31.8% of its portfolio invested in foreign issues. The overall assets allocated to domestic stock is 61.1%. There is 31.0% allocated to foreign stock, and 0.1% is allocated to preferred stocks. The bond allocation as a percentage of total assets is 6.7% (5.9% domestic bond, 0.8% foreign bond and 0.4% convertible bond). GuideStone Funds MyDestination 2055 Inv has 0.7% of the portfolio in cash.
Assets Under Management
The fund has $599 million in total assets, which is below the $1 billion average for the Target-Date 2055 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.
GMGZX 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 MyDestination 2055 Inv expense ratio is above average compared to funds in the Target-Date 2055 category. GuideStone Funds MyDestination 2055 Inv has an expense ratio of 0.69%, which is 2% higher than its category average, making the fund expense ratio grade a C. 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 MyDestination 2055 Inv has a portfolio turnover rate of 7%, indicating that holds its assets around 0.1 years. By way of comparison, the average portfolio turnover is 23% for the Target-Date 2055 category.
Recently, in the month of July 2026, GuideStone Funds MyDestination 2055 Inv returned -0.3%, which earned it a grade of A, as the Target-Date 2055 category had an average return of -0.8%. 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 MyDestination 2055 Inv has a trailing yield of 1.92%, which is above the 1.55% 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 MyDestination 2055 Inv Grades
Year to date, the fund has returned 10.4%, 0.1 percentage points worse than the category, which translates into a grade of D. The fund has returned 20.0% over the past year (grade of D), 16.0% over the past three years (grade of D) and 9.3% per year over the past five years (grade of C) and 11.0% per year over the past 10 years (grade of C).
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GMGZX 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 |
|
| GMGZX Return (NAV) | -0.3% | 3.7% | 20.0% | 16.0% | 9.3% | 11.0% |
| GMGZX Grade | A | B | D | D | C | C |
| +/- Category | 0.5% | 0.2% | -0.1% | -0.1% | 0.3% | 0.1% |
| Target-Date 2055 Avg | -0.8% | 3.5% | 20.1% | 16.2% | 9.0% | 10.9% |
| GMGZX Tax Cost Ratio | na | na | 1.2% | 1.1% | 1.3% | 1.3% |
GMGZX Annual NAV Total ReturnsData as of 7/31/26
| 2026 | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | |
| GMGZX Return (NAV) | 10.4% | 19.2% | 15.1% | 19.5% | -17.6% | 17.1% | 13.9% | 24.9% | -8.0% | 21.7% | 8.8% |
| GMGZX Grade | D | D | B | D | B | C | F | C | B | B | B |
| +/- Category | -0.1% | -0.3% | 0.5% | -0.3% | 0.5% | -0.2% | -2.1% | -0.0% | 0.5% | 0.6% | 0.8% |
| Target-Date 2055 Avg | 10.5% | 19.5% | 14.6% | 19.8% | -18.2% | 17.3% | 16.1% | 24.9% | -8.5% | 21.1% | 8.0% |
| Risk Measures | |
| Standard Deviation: | 11.5% |
| Total Risk Index: | 0.94 - Average |
| Category Risk Index: | 0.96 - Below Average |
| Category Risk Grade: | B (20% Rank) |
| Beta: | 1.18 |
| R-Squared: | 93% |
| Leveraged Fund: | No |
| Inverse Fund: | No |
| Portfolio Characteristics | |
| Equity Investment Style: | Large-Cap Blend |
| Bond Investment Style: | na |
| Yield: | 1.9% |
| Dividend Distribution: | Annually |
| Cap Gains Distribution: | Annually |
| Total Assets: | $1144 Mil |
| Fund Total Assets: | $ 599 Mil |
| Share Class Type: | Other |
| Portfolio Turnover: | 7% |
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: | 39 |
| % in Top 10 Holdings: | 101.1% |
| Fund is Non-Diversified: | No |
| % in Foreign Issues: | 31.8% |
Portfolio Allocation |
|
| Domestic Stock: | 61.1% |
| Foreign Stock: | 31.0% |
| Preferred Stock: | 0.1% |
| Domestic Bond: | 5.9% |
| Foreign Bond: | 0.8% |
| Convertible Bond: | 0.4% |
| Other: | 0.0% |
| Cash: | 0.7% |
Purchase Information
| Fund Family: | GuideStone Funds |
| Phone Number: | 888-473-8637 |
| Website: | www.guidestonefunds.org |
| Status: | Open |
| Inception Date: | December 30, 2011 |
| 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 (%): | 0.69% ( Rating : Above Avg ) |
| Category Average Expense Ratio (%): | 0.68% |
| Share Class: | GuideStone Funds MyDestination 2055 Inv |
| Min. Subsequent Purchase: | $ 100 |
| Min. Subsequent IRA Purchase: | $ 100 |
