Fund Evaluator:
GuideStone Funds MyDestination 2065 Inv (GMMZX)
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Best Performing in Target-Date 2065 Over the Last Year
| 23.7% | Fidelity Advisor Freedom Blend 2065 Z (FAXGX) |
| 23.1% | Fidelity Advisor Sust Trgt Dt 2065 Z (FTHDX) |
| 23.0% | Fidelity Advisor Sust Trgt Dt 2065 I (FTHBX) |
| 22.9% | BlackRock LifePath® Dynamic 2065 Inv A (LPWAX) |
| 22.2% | BlackRock LifePath ESG Index 2065 Inv A (LEWAX) |
Fund Details
GuideStone Funds MyDestination 2065 Inv Overview
GuideStone Funds MyDestination 2065 Inv (GMMZX) is an actively managed Allocation Target-Date 2065 fund. GuideStone Funds launched the fund in 2025.
The investment seeks he highest total return over time consistent with its asset mix. Total return includes capital appreciation and income. The fund pursues its objective by investing primarily in a diversified portfolio of GuideStone Funds Select Funds (“Select Funds”) that represent various asset classes. The fund is managed to the specific retirement year included in its name (“Target Date”) and assumes a retirement age of 65.
About GuideStone Funds MyDestination 2065 Inv (GMMZX)
There are 6 members of the management team with an average tenure of 0.58 years: Gordon Wotherspoon (2025), Richard Fong (2025), Brandon Pizzurro (2025), Jennifer Mihara (2025), Zach Olsen (2025), Joshua Chastant (2025). Management tenure is more important for actively managed funds than passive index funds.
GuideStone Funds MyDestination 2065 Inv has 38 securities in its portfolio. The top 10 holdings constitute 100.9% 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 2065 Inv is part of the Allocation global asset class and is within the Allocation fund group. GuideStone Funds MyDestination 2065 Inv has 32.3% of its portfolio invested in foreign issues. The overall assets allocated to domestic stock is 61.8%. There is 31.7% allocated to foreign stock, and 0.1% is allocated to preferred stocks. The bond allocation as a percentage of total assets is 5.4% (4.8% domestic bond, 0.6% foreign bond and 0.3% convertible bond). GuideStone Funds MyDestination 2065 Inv has 0.7% of the portfolio in cash.
Assets Under Management
The fund has $97 million in total assets, which is below the $248 million average for the Target-Date 2065 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.
GMMZX 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 2065 Inv expense ratio is above average compared to funds in the Target-Date 2065 category. GuideStone Funds MyDestination 2065 Inv has an expense ratio of 0.75%, 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. A portfolio turnover rate cannot be currently calculated for GuideStone Funds MyDestination 2065 Inv. By way of comparison, the average portfolio turnover is 25% for the Target-Date 2065 category.
Recently, in the month of July 2026, GuideStone Funds MyDestination 2065 Inv returned -0.3%, which earned it a grade of A, as the Target-Date 2065 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 2065 Inv has a trailing yield of 0.00%, which is below the 1.44% 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 2065 Inv Grades
Year to date, the fund has returned 8.8%, 1.9 percentage points worse than the category, which translates into a grade of F.
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GMMZX 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 |
|
| GMMZX Return (NAV) | -0.3% | 3.6% | na | na | na | na |
| GMMZX Grade | A | C | na | na | na | na |
| +/- Category | 0.5% | 0.1% | na | na | na | na |
| Target-Date 2065 Avg | -0.8% | 3.5% | 20.3% | 16.3% | 9.2% | na |
| GMMZX Tax Cost Ratio | na | na | na | na | na | na |
GMMZX Annual NAV Total ReturnsData as of 7/31/26
| 2026 | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | |
| GMMZX Return (NAV) | 8.8% | na | na | na | na | na | na | na | na | na | na |
| GMMZX Grade | F | na | na | na | na | na | na | na | na | na | na |
| +/- Category | -1.9% | na | na | na | na | na | na | na | na | na | na |
| Target-Date 2065 Avg | 10.7% | 19.6% | 14.8% | 20.1% | -18.3% | 17.4% | 15.9% | 27.3% | -10.0% | na | na |
| Risk Measures | |
| Standard Deviation: | na |
| Total Risk Index: | na |
| Category Risk Index: | na |
| Category Risk Grade: | |
| Beta: | na |
| R-Squared: | na |
| Leveraged Fund: | No |
| Inverse Fund: | No |
| Portfolio Characteristics | |
| Equity Investment Style: | Large-Cap Blend |
| Bond Investment Style: | na |
| Yield: | -- |
| Dividend Distribution: | Annually |
| Cap Gains Distribution: | Annually |
| Total Assets: | $195 Mil |
| Fund Total Assets: | $ 97 Mil |
| Share Class Type: | Inv |
| Portfolio Turnover: | na |
Management Team
| Number of Managers: 6 | |||
| Longest Tenure: 0.6 years | |||
| Average Tenure: 0.6 years | |||
| Managers (Year): Wotherspoon Gordon (2025), Fong Richard (2025), Pizzurro Brandon (2025), Mihara Jennifer (2025), Olsen Zach (2025), Chastant Joshua (2025) | |||
Portfolio Composition (as of 6/30/26)
| # of Holdings: | 38 |
| % in Top 10 Holdings: | 100.9% |
| Fund is Non-Diversified: | No |
| % in Foreign Issues: | 32.3% |
Portfolio Allocation |
|
| Domestic Stock: | 61.8% |
| Foreign Stock: | 31.7% |
| Preferred Stock: | 0.1% |
| Domestic Bond: | 4.8% |
| Foreign Bond: | 0.6% |
| Convertible Bond: | 0.3% |
| 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 31, 2025 |
| Min. Initial Purchase: | $1,000 |
| Min. Initial IRA Purchase: | $ 0 |
| 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 (%): | 0.75% ( Rating : Above Avg ) |
| Category Average Expense Ratio (%): | 0.67% |
| Share Class: | GuideStone Funds MyDestination 2065Instl |
| Min. Subsequent Purchase: | $ 0 |
| Min. Subsequent IRA Purchase: | $ 0 |
