GMTZX Fees and Costs — MyDestination 2015 Fund, Investor Class
Data updated: 2026-08-27
The net expense ratio is 0.75% (0.77% before fee waivers). There are no sales loads or redemption fees. In fiscal 2025 the fund paid $503 in broker commissions, 0.0001% of average net assets, and portfolio turnover was 25%.
GMTZX Fees and Expenses
Annual operating expenses and sales charges of GMTZX. Prospectus, as of December 31, 2025.
| Annual operating expenses | |
|---|---|
| Management fee | 0.10% |
| 12b-1 fee | — |
| Other expenses | 0.31% |
| Gross expense ratio | 0.77% |
| Fee waiver | −0.02% |
| Net expense ratio | 0.75% |
| Sales charges | |
|---|---|
| Max front load | — |
| Max deferred load | — |
| Redemption fee | — |
| Expense limitation in place (N-CEN) | Yes |
| Fees waived or reduced during the year | Yes |
| Waived fees subject to recoupment | Yes |
GMTZX Costs Over Time
On $10,000 invested in GMTZX, assuming 5% a year before costs, total costs come to $472 over 5 years, cutting the return by 0.79% 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 0.75%) | $79 | $246 | $428 |
| Trading costs (broker commissions) | $0 | $0 | $0 |
| Lost growth on money paid in costs | $0 | $12 | $43 |
| Total costs | $79 | $259 | $472 |
| Value after costs | $10,421 | $11,318 | $12,291 |
| Impact on return, per year | 0.79% | 0.79% | 0.79% |
GMTZX 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: $503
- Bought from dealers (principal trades, not a cost): $178.9M
- Portfolio turnover (prospectus): 25%
- Securities lending: none during the year
GMTZX Agency Brokers
Commissions paid.
| Broker | Amount | Share |
|---|---|---|
| GOLDMAN SACHS & CO. LLC | $503 | 100.00% |
GMTZX Dealer Counterparties
Securities bought directly from dealers (principal trades).
| Broker | Amount | Share |
|---|---|---|
| GUIDESTONE MONEY MARKET FUND | $155.5M | 87.02% |
| Nomura Securities International, Inc. | $6.9M | 3.88% |
| GOLDMAN SACHS & CO. LLC | $3.9M | 2.18% |
| Citibank, National Association | $3.1M | 1.73% |
| WELLS FARGO SECURITIES, LLC | $2.7M | 1.52% |
| BMO CAPITAL MARKETS CORP. | $2.6M | 1.46% |
| BNP PARIBAS SECURITIES CORP. | $1.7M | 0.94% |
| CITADEL SECURITIES INSTITUTIONAL LLC | $1.1M | 0.63% |
| BARCLAYS CAPITAL INC | $936K | 0.52% |
| DEUTSCHE BANK SECURITIES INC. | $204K | 0.11% |
MyDestination 2015 Fund Share Classes
Net expense ratio and maximum front-end load of each share class, cheapest first.
| Ticker | Class | Net expense ratio | Front load |
|---|---|---|---|
| GMTSX | C000278704 | 0.35% | — |
| GMTYX | Institutional Class | 0.45% | — |
| GMTZX | Investor Class | 0.75% | — |
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.