Fund Evaluator:
GuideStone Funds MyDestination 2035 Inv (GMHZX)
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Best Performing in Target-Date 2035 Over the Last Year
| 17.5% | Fidelity Advisor Freedom Blend 2035 Z (FHSDX) |
| 17.0% | Fidelity Advisor Sust Trgt Dt 2035 Z (FSXRX) |
| 17.0% | T. Rowe Price Retirement 2035 (TRRJX) |
| 16.4% | Voya Index Solution 2035 Port Z (VSZDX) |
| 15.9% | Vanguard Target Retirement 2035 Fund (VTTHX) |
Fund Details
GuideStone Funds MyDestination 2035 Inv Overview
GuideStone Funds MyDestination 2035 Inv (GMHZX) is an actively managed Allocation Target-Date 2035 fund. GuideStone Funds launched the fund in 2006.
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 2035 Inv (GMHZX)
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 MyDestination 2035 Inv has 64 securities in its portfolio. The top 10 holdings constitute 99.2% 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 2035 Inv is part of the Allocation global asset class and is within the Allocation fund group. GuideStone Funds MyDestination 2035 Inv has 24.3% of its portfolio invested in foreign issues. The overall assets allocated to domestic stock is 43.8%. There is 20.7% allocated to foreign stock, and 0.2% is allocated to preferred stocks. The bond allocation as a percentage of total assets is 31.6% (28.0% domestic bond, 3.6% foreign bond and 1.0% convertible bond). GuideStone Funds MyDestination 2035 Inv has 2.8% of the portfolio in cash.
Assets Under Management
The fund has $1 billion in total assets, which is below the $1 billion average for the Target-Date 2035 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.
GMHZX 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 2035 Inv expense ratio is above average compared to funds in the Target-Date 2035 category. GuideStone Funds MyDestination 2035 Inv has an expense ratio of 0.73%, which is 11% 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 MyDestination 2035 Inv has a portfolio turnover rate of 14%, indicating that holds its assets around 0.1 years. By way of comparison, the average portfolio turnover is 23% for the Target-Date 2035 category.
Recently, in the month of July 2026, GuideStone Funds MyDestination 2035 Inv returned -0.5%, which earned it a grade of B, as the Target-Date 2035 category had an average return of -0.7%. 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 2035 Inv has a trailing yield of 2.56%, which is above the 2.30% 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 2035 Inv Grades
Year to date, the fund has returned 7.1%, 0.2 percentage points worse than the category, which translates into a grade of D. The fund has returned 14.7% over the past year (grade of C), 12.5% over the past three years (grade of D) and 6.6% per year over the past five years (grade of C) and 8.9% per year over the past 10 years (grade of D).
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GMHZX 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 |
|
| GMHZX Return (NAV) | -0.5% | 2.5% | 14.7% | 12.5% | 6.6% | 8.9% |
| GMHZX Grade | B | B | C | D | C | D |
| +/- Category | 0.2% | 0.2% | 0.0% | -0.2% | 0.0% | -0.2% |
| Target-Date 2035 Avg | -0.7% | 2.3% | 14.7% | 12.6% | 6.6% | 9.0% |
| GMHZX Tax Cost Ratio | na | na | 1.8% | 1.6% | 1.6% | 1.5% |
GMHZX Annual NAV Total ReturnsData as of 7/31/26
| 2026 | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | |
| GMHZX Return (NAV) | 7.1% | 15.5% | 11.5% | 15.8% | -16.5% | 13.0% | 12.9% | 22.2% | -6.8% | 18.5% | 8.4% |
| GMHZX Grade | D | D | C | D | B | F | D | D | B | D | B |
| +/- Category | -0.2% | -0.2% | 0.2% | -0.4% | 0.2% | -0.9% | -1.5% | -0.4% | 0.5% | -0.3% | 0.8% |
| Target-Date 2035 Avg | 7.2% | 15.7% | 11.2% | 16.2% | -16.7% | 13.9% | 14.4% | 22.5% | -7.3% | 18.9% | 7.6% |
| Risk Measures | |
| Standard Deviation: | 9.4% |
| Total Risk Index: | 0.76 - Below Average |
| Category Risk Index: | 0.97 - Below Average |
| Category Risk Grade: | B (28% Rank) |
| Beta: | 0.98 |
| R-Squared: | 96% |
| Leveraged Fund: | No |
| Inverse Fund: | No |
| Portfolio Characteristics | |
| Equity Investment Style: | Large-Cap Blend |
| Bond Investment Style: | na |
| Yield: | 2.6% |
| Dividend Distribution: | Annually |
| Cap Gains Distribution: | Annually |
| Total Assets: | $2618 Mil |
| Fund Total Assets: | $1,357 Mil |
| Share Class Type: | Other |
| Portfolio Turnover: | 14% |
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: | 64 |
| % in Top 10 Holdings: | 99.2% |
| Fund is Non-Diversified: | No |
| % in Foreign Issues: | 24.3% |
Portfolio Allocation |
|
| Domestic Stock: | 43.8% |
| Foreign Stock: | 20.7% |
| Preferred Stock: | 0.2% |
| Domestic Bond: | 28.0% |
| Foreign Bond: | 3.6% |
| Convertible Bond: | 1.0% |
| Other: | 0.0% |
| Cash: | 2.8% |
Purchase Information
| Fund Family: | GuideStone Funds |
| Phone Number: | 888-473-8637 |
| Website: | www.guidestonefunds.org |
| Status: | Open |
| Inception Date: | December 29, 2006 |
| 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 (%): | 0.73% ( Rating : Above Avg ) |
| Category Average Expense Ratio (%): | 0.66% |
| Share Class: | GuideStone Funds MyDestination 2035 Inv |
| Min. Subsequent Purchase: | $ 100 |
| Min. Subsequent IRA Purchase: | $ 100 |
