Fund Evaluator:

GuidePath® Growth Allocation Svc Overview

GuidePath® Growth Allocation Svc (GPSTX) is an actively managed International Equity Global Large-Stock Blend fund. GuidePath launched the fund in 2011.

The investment seeks to maximize total return, consisting of a combination of long-term capital appreciation and current income, while moderating risk and volatility in the portfolio. The fund operates as a fund of funds, investing primarily in registered mutual funds, including exchange-traded funds ("ETFs"). The funds in which the fund may invest are referred to herein as the "underlying funds." The Advisor believes that investing in underlying funds provides the fund with an efficient means of creating a portfolio that provides investors with indirect exposure to a broad range of securities.

About GuidePath® Growth Allocation Svc (GPSTX)

There are 2 members of the management team with an average tenure of 9.64 years: Selwyn Crews (2011), Christian Chan (2022). 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 S&P Target Risk Aggressive TR USD index with a weighting of 100%. GuidePath® Growth Allocation Svc has 33 securities in its portfolio. The top 10 holdings constitute 71.5% 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.

GuidePath® Growth Allocation Svc is part of the Equity global asset class and is within the International Equity fund group. GuidePath® Growth Allocation Svc has 29.5% of its portfolio invested in foreign issues. The overall assets allocated to domestic stock is 67.7%. There is 29.5% allocated to foreign stock, and 0.2% is allocated to preferred stocks. The bond allocation as a percentage of total assets is 0.0% (0.0% domestic bond, 0.0% foreign bond and 0.0% convertible bond). GuidePath® Growth Allocation Svc has 2.4% of the portfolio in cash.

Assets Under Management

The fund has $1 billion in total assets, which is above the $1 billion average for the Global Large-Stock Blend 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.

GPSTX 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 GuidePath® Growth Allocation Svc expense ratio is high compared to funds in the Global Large-Stock Blend category. GuidePath® Growth Allocation Svc has an expense ratio of 0.82%, which is 22% lower than its category average, making the fund expense ratio grade a B. 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. GuidePath® Growth Allocation Svc has a portfolio turnover rate of 12%, indicating that holds its assets around 0.1 years. By way of comparison, the average portfolio turnover is 43% for the Global Large-Stock Blend category.

Recently, in the month of July 2026, GuidePath® Growth Allocation Svc returned -1.4%, which earned it a grade of F, as the Global Large-Stock Blend 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.

GuidePath® Growth Allocation Svc has a trailing yield of 0.80%, which is below the 0.95% 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.

GuidePath® Growth Allocation Svc Grades

Year to date, the fund has returned 10.1%, 0.3 percentage points better than the category, which translates into a grade of C. The fund has returned 19.9% over the past year (grade of C), 17.2% over the past three years (grade of B) and 9.4% per year over the past five years (grade of C) and 11.4% per year over the past 10 years (grade of C).

For more mutual fund grades, analysis and screening tools to help your investment discovery, join AAII for a $2, full-access trial. Learn more here: https://invest.aaii.com/membership.

Otherwise, for more information about GuidePath® Growth Allocation Svc, including its riskiness, submit your email to unlock the rest of the article.