GMFZX Fees and Costs — MyDestination 2045 Fund, Investor Class
Data updated: 2026-08-27
The net expense ratio is 0.69%. There are no sales loads or redemption fees. In fiscal 2025 the fund paid $2K in broker commissions, 0.0001% of average net assets, and portfolio turnover was 8%.
GMFZX Fees and Expenses
Annual operating expenses and sales charges of GMFZX. Prospectus, as of December 31, 2025.
| Annual operating expenses | |
|---|---|
| Management fee | 0.10% |
| 12b-1 fee | — |
| Other expenses | 0.28% |
| Gross expense ratio | 0.69% |
| Fee waiver | — |
| Net expense ratio | 0.69% |
| Sales charges | |
|---|---|
| Max front load | — |
| Max deferred load | — |
| Redemption fee | — |
| Expense limitation in place (N-CEN) | Yes |
| Fees waived or reduced during the year | No |
| Waived fees subject to recoupment | Yes |
GMFZX Costs Over Time
On $10,000 invested in GMFZX, assuming 5% a year before costs, total costs come to $434 over 5 years, cutting the return by 0.72% a year. Illustration, not a forecast: it assumes today's net expense ratio throughout (a fee waiver may end).
| $10,000 invested | Sell after 1 year | Sell after 3 years | Sell after 5 years |
|---|---|---|---|
| Value before costs | $10,500 | $11,576 | $12,763 |
| Fund expenses (net expense ratio 0.69%) | $72 | $227 | $395 |
| Trading costs (broker commissions) | $0 | $0 | $0 |
| Lost growth on money paid in costs | $0 | $11 | $40 |
| Total costs | $72 | $238 | $434 |
| Value after costs | $10,428 | $11,338 | $12,328 |
| Impact on return, per year | 0.72% | 0.72% | 0.72% |
GMFZX Trading Costs
Brokerage costs reported on SEC Form N-CEN for the fiscal year ending December 31, 2025.
- Explicit cost rate (commissions ÷ average net assets): 0.0001%
- Total broker commissions: $2K
- Bought from dealers (principal trades, not a cost): $216.3M
- Portfolio turnover (prospectus): 8%
- Securities lending: none during the year
GMFZX Agency Brokers
Commissions paid.
| Broker | Amount | Share |
|---|---|---|
| GOLDMAN SACHS & CO. LLC | $2K | 100.00% |
GMFZX Dealer Counterparties
Securities bought directly from dealers (principal trades).
| Broker | Amount | Share |
|---|---|---|
| GUIDESTONE MONEY MARKET FUND | $216.3M | 100.00% |
MyDestination 2045 Fund Share Classes
Net expense ratio and maximum front-end load of each share class, cheapest first.
| Ticker | Class | Net expense ratio | Front load |
|---|---|---|---|
| GMYSX | C000278707 | 0.35% | — |
| GMYYX | Institutional Class | 0.43% | — |
| GMFZX | Investor Class | 0.69% | — |
For information only. Not investment advice: figures are as reported in SEC filings and may contain errors or be out of date. Past performance does not guarantee future results.