GMWSX Fees and Costs — MyDestination 2025 Fund
Data updated: 2026-08-27
The net expense ratio is 0.35% (0.51% before fee waivers). 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 24%.
GMWSX Fees and Expenses
Annual operating expenses and sales charges of GMWSX. Prospectus, as of December 31, 2025.
| Annual operating expenses | |
|---|---|
| Management fee | 0.10% |
| 12b-1 fee | — |
| Other expenses | 0.04% |
| Gross expense ratio | 0.51% |
| Fee waiver | −0.16% |
| Net expense ratio | 0.35% |
| 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 |
GMWSX Costs Over Time
On $10,000 invested in GMWSX, assuming 5% a year before costs, total costs come to $222 over 5 years, cutting the return by 0.37% 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 0.35%) | $37 | $115 | $202 |
| Trading costs (broker commissions) | $0 | $0 | $0 |
| Lost growth on money paid in costs | $0 | $6 | $20 |
| Total costs | $37 | $121 | $222 |
| Value after costs | $10,463 | $11,455 | $12,541 |
| Impact on return, per year | 0.37% | 0.37% | 0.37% |
GMWSX 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): $347.2M
- Portfolio turnover (prospectus): 24%
- Securities lending: none during the year
GMWSX Agency Brokers
Commissions paid.
| Broker | Amount | Share |
|---|---|---|
| GOLDMAN SACHS & CO. LLC | $2K | 100.00% |
GMWSX Dealer Counterparties
Securities bought directly from dealers (principal trades).
| Broker | Amount | Share |
|---|---|---|
| GUIDESTONE MONEY MARKET FUND | $296.9M | 85.63% |
| Nomura Securities International, Inc. | $14.5M | 4.17% |
| BMO CAPITAL MARKETS CORP. | $7.1M | 2.05% |
| GOLDMAN SACHS & CO. LLC | $7.1M | 2.04% |
| Citibank, National Association | $5.9M | 1.71% |
| WELLS FARGO SECURITIES, LLC | $5.3M | 1.52% |
| BNP PARIBAS SECURITIES CORP. | $4.1M | 1.17% |
| BARCLAYS CAPITAL INC | $3.0M | 0.86% |
| CITADEL SECURITIES INSTITUTIONAL LLC | $2.5M | 0.72% |
| DEUTSCHE BANK SECURITIES INC. | $421K | 0.12% |
MyDestination 2025 Fund Share Classes
Net expense ratio and maximum front-end load of each share class, cheapest first.
| Ticker | Class | Net expense ratio | Front load |
|---|---|---|---|
| GMWSX | C000278705 | 0.35% | — |
| GMWYX | Institutional Class | 0.45% | — |
| GMWZX | 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.