Fund Performance

For more information, including fund objective, investment strategy and the risks associated with investing in the funds please click on the fund names below. You may also view the prospectus for GuideStone Funds.

The performance data quoted represents past performance and does not guarantee future results. Current performance may be lower or higher than the performance data quoted. Performance data current to the most recent month-end may be obtained from each fund company (see disclaimers for a list of Web sites and telephone numbers). Please select the fund names below to review each fund's fact sheet. The investment return and principal value of an investment will fluctuate so that shares, when redeemed, may be worth more or less than their original cost. Returns exceeding 20% reflect unusual market conditions and may not be sustained at this level over the long term.

Regarding the GuideStone Funds, when the gross expense ratio and the net expense ratio are different, it reflects fee waivers and expense limitations for the fund. Unless renewed, the contractual end dates of the expense limitations for the Value Equity Index (Investor Class), Growth Equity Index, International Equity Index (Investor Class), Emerging Markets Equity, Strategic Alternatives, Impact Bond, Impact Equity (Investor class), MyDestination 2015, MyDestination 2025, MyDestination 2035 (Institutional Class) and MyDestination 2055 (Institutional Class) funds are April 30, 2026. Please refer to the prospectus for more information.

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As Of 12/12/2025 As Of 11/30/2025 As Of 9/30/2025 Morningstar Ratings (number of funds in category) As Of 11/30/2025 Based on Risk Adjusted Return
Net Asset Value Month To Date Year To Date One Year Three Year (Annualized) Five Year (Annualized) Ten Year (Annualized) Since Inception Inception Date Gross Expense Ratio Net Expense Ratio One Month Year To Date One Year Three Year (Annualized) Five Year (Annualized) Ten Year (Annualized) Since Inception Inception Date Gross Expense Ratio Net Expense Ratio Three Month Year To Date One Year Three Year (Annualized) Five Year (Annualized) Ten Year (Annualized) Since Inception Inception Date Gross Expense Ratio Net Expense Ratio Category Overall Rating 3 Year Rating 5 Year Rating 10 Year Rating
Target Date Funds Net Asset Value Month To Date Year To Date One Year Three Year (Annualized) Five Year (Annualized) Ten Year (Annualized) Since Inception (Annualized) Inception Date Gross Expense Ratio Net Expense Ratio One Month Year To Date One Year Three Year (Annualized) Five Year (Annualized) Ten Year (Annualized) Since Inception (Annualized) Inception Date Gross Expense Ratio Net Expense Ratio Three Month Year To Date One Year Three Year (Annualized) Five Year (Annualized) Ten Year (Annualized) Since Inception (Annualized) Inception Date Gross Expense Ratio Net Expense Ratio Category Overall Rating 3 Year Rating 5 Year Rating 10 Year Rating
GuideStone MyDestination 2015 (GMTYX) 1 Institutional 10.59 -0.21% 11.30% 9.42% 9.53% 4.72% N/A 5.77% 5/1/2017 0.52% 0.45% 0.46% 11.53% 9.51% 9.49% 4.94% N/A 5.82% 5/1/2017 0.52% 0.45% 3.70% 9.78% 8.00% 11.35% 5.47% N/A 5.74% 5/1/2017 0.52% 0.45% Target-Date 2015
of 81
of 81
of 77
of 53
GuideStone MyDestination 2025 (GMWYX) 1 Institutional 11.11 -0.14% 12.63% 10.44% 10.88% 5.74% N/A 6.90% 5/1/2017 0.51% 0.45% 0.44% 12.78% 10.37% 10.74% 5.99% N/A 6.95% 5/1/2017 0.51% 0.45% 4.25% 10.91% 9.03% 13.07% 6.76% N/A 6.88% 5/1/2017 0.51% 0.45% Target-Date 2025
of 125
of 125
of 115
of 80
GuideStone MyDestination 2035 (GMHYX) 1 Institutional 12.21 -0.01% 15.02% 12.39% 13.46% 7.71% N/A 8.67% 5/1/2017 0.49% 0.45% 0.40% 15.03% 12.32% 13.12% 8.03% N/A 8.70% 5/1/2017 0.49% 0.45% 5.12% 12.92% 11.19% 16.45% 9.12% N/A 8.64% 5/1/2017 0.49% 0.45% Target-Date 2035
of 173
of 173
of 160
of 111
GuideStone MyDestination 2045 (GMYYX) 1 Institutional 13.42 0.16% 17.90% 14.72% 16.12% 9.71% N/A 10.14% 5/1/2017 0.45% 0.45% 0.37% 17.71% 14.58% 15.53% 10.05% N/A 10.16% 5/1/2017 0.45% 0.45% 5.93% 15.22% 13.59% 19.53% 11.33% N/A 10.09% 5/1/2017 0.45% 0.45% Target-Date 2045
of 173
of 173
of 160
of 111
GuideStone MyDestination 2055 (GMGYX) 1 Institutional 19.95 0.24% 18.79% 15.45% 16.97% 10.33% N/A 10.58% 5/1/2017 0.46% 0.45% 0.35% 18.51% 15.22% 16.31% 10.67% N/A 10.60% 5/1/2017 0.46% 0.45% 6.34% 15.99% 14.39% 20.58% 12.01% N/A 10.54% 5/1/2017 0.46% 0.45% Target-Date 2055
of 173
of 173
of 160
of 110
Target Risk Funds Net Asset Value Month To Date Year To Date One Year Three Year (Annualized) Five Year (Annualized) Ten Year (Annualized) Since Inception (Annualized) Inception Date Gross Expense Ratio Net Expense Ratio One Month Year To Date One Year Three Year (Annualized) Five Year (Annualized) Ten Year (Annualized) Since Inception (Annualized) Inception Date Gross Expense Ratio Net Expense Ratio Three Month Year To Date One Year Three Year (Annualized) Five Year (Annualized) Ten Year (Annualized) Since Inception (Annualized) Inception Date Gross Expense Ratio Net Expense Ratio Category Overall Rating 3 Year Rating 5 Year Rating 10 Year Rating
GuideStone Conservative Allocation (GCAYX) 2 Institutional 11.80 -0.13% 9.23% 8.01% 8.14% 3.80% 4.67% 4.50% 11/23/2015 0.69% 0.69% 0.33% 9.37% 8.16% 8.10% 3.96% 4.55% 4.53% 11/23/2015 0.69% 0.69% 3.03% 8.19% 7.17% 9.30% 4.36% N/A 4.49% 11/23/2015 0.69% 0.69% Global Conservative Allocation
of 82
of 82
of 77
of 67
GuideStone Balanced Allocation (GBAYX) 2 Institutional 12.36 -0.08% 12.25% 9.92% 10.48% 4.79% 6.52% 6.24% 11/23/2015 0.73% 0.73% 0.23% 12.34% 9.81% 10.36% 5.02% 6.30% 6.27% 11/23/2015 0.73% 0.73% 4.08% 10.95% 8.89% 12.75% 5.89% N/A 6.24% 11/23/2015 0.73% 0.73% Global Moderately Conservative Allocation
of 225
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of 218
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GuideStone Moderately Aggressive Allocation (GGRYX) 2 Institutional 13.75 0.09% 15.98% 12.86% 14.19% 7.41% 8.81% 8.37% 11/23/2015 0.79% 0.79% 0.07% 15.88% 12.68% 13.79% 7.71% 8.44% 8.39% 11/23/2015 0.79% 0.79% 5.31% 14.30% 12.31% 17.42% 9.07% N/A 8.39% 11/23/2015 0.79% 0.79% Global Moderately Aggressive Allocation
of 177
of 177
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of 142
GuideStone Aggressive Allocation (GAGYX) 2 Institutional 14.16 0.35% 19.44% 15.64% 17.72% 9.80% 10.88% 10.31% 11/23/2015 0.83% 0.83% -0.13% 19.03% 15.37% 16.94% 10.17% 10.38% 10.31% 11/23/2015 0.83% 0.83% 6.67% 17.56% 15.80% 21.94% 12.02% N/A 10.35% 11/23/2015 0.83% 0.83% Global Large-Stock Blend
of 305
of 305
of 296
of 199
Vanguard Balanced Index (VBIAX) 53.32 -0.32% 13.38% 10.73% 14.08% 8.08% 9.55% 7.16% 11/13/2000 0.07% 0.07% 0.41% N/A 10.88% 13.79% 8.36% 9.36% 7.18% 11/13/2000 0.07% 0.07% 5.81% N/A 12.00% 16.38% 9.22% 9.67% 7.15% 11/13/2000 0.07% 0.07% Moderate Allocation
of 460
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of 363
US Equity Net Asset Value Month To Date Year To Date One Year Three Year (Annualized) Five Year (Annualized) Ten Year (Annualized) Since Inception (Annualized) Inception Date Gross Expense Ratio Net Expense Ratio One Month Year To Date One Year Three Year (Annualized) Five Year (Annualized) Ten Year (Annualized) Since Inception (Annualized) Inception Date Gross Expense Ratio Net Expense Ratio Three Month Year To Date One Year Three Year (Annualized) Five Year (Annualized) Ten Year (Annualized) Since Inception (Annualized) Inception Date Gross Expense Ratio Net Expense Ratio Category Overall Rating 3 Year Rating 5 Year Rating 10 Year Rating
GuideStone Defensive Market Strategies (GDMYX) 3, 4, 5 Institutional 11.71 0.03% 10.27% 7.96% 10.48% 6.83% 8.57% 8.84% 9/1/2011 0.65% 0.65% 0.72% 10.24% 7.76% 10.16% 7.02% 8.31% 8.86% 9/1/2011 0.65% 0.65% 4.57% 7.97% 8.47% 12.37% 7.81% 8.60% 8.80% 9/1/2011 0.65% 0.65% Moderate Allocation
of 460
of 460
of 440
of 363
GuideStone Equity Index (GEQYX) Institutional 67.17 -0.35% 16.66% 13.43% 21.05% 14.59% 14.81% 9.31% 8/27/2001 0.12% 0.12% 0.23% 17.08% 14.28% 20.29% 14.92% 14.47% 9.34% 8/27/2001 0.12% 0.12% 7.67% 13.98% 16.77% 24.56% 16.03% 15.14% 9.29% 8/27/2001 0.12% 0.12% Large Blend
of 1,211
of 1,211
of 1,121
of 875
GuideStone Value Equity (GVEYX) 6 Institutional 18.59 1.38% 14.91% 11.80% 13.31% 12.07% 10.58% 7.89% 8/27/2001 0.63% 0.63% 1.80% 13.35% 7.05% 12.15% 12.18% 9.94% 7.84% 8/27/2001 0.63% 0.63% 6.08% 10.51% 9.65% 17.06% 14.05% 10.55% 7.78% 8/27/2001 0.63% 0.63% Large Value
of 1,053
of 1,053
of 992
of 822
GuideStone Small Cap Equity (GSCYX) 7 Institutional 17.40 2.12% 8.30% 2.96% 10.09% 7.38% 9.38% 7.87% 8/27/2001 0.95% 0.95% 2.38% 6.04% -1.57% 8.23% 7.95% 8.47% 7.79% 8/27/2001 0.95% 0.95% 6.58% 3.36% 4.73% 12.18% 11.45% 8.99% 7.73% 8/27/2001 0.95% 0.95% Small Blend
of 582
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of 564
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Vanguard Total Stock Market Index (VTSAX) 163.56 -0.09% 17.05% 13.40% 20.69% 13.66% 14.41% 8.86% 11/13/2000 0.04% 0.04% 0.29% N/A 13.61% 19.80% 14.06% 14.01% 8.88% 11/13/2000 0.04% 0.04% 8.24% N/A 17.33% 24.07% 15.65% 14.66% 8.83% 11/13/2000 0.04% 0.04% Large Blend
of 1,211
of 1,211
of 1,121
of 875
JPMorgan Large Cap Growth Fund Class R6 (JLGMX) 86.80 -1.06% 14.59% 10.97% 25.72% 13.67% 18.82% 17.05% 11/30/2010 0.50% 0.44% -3.04% N/A 15.36% 25.19% 14.30% 18.60% 17.18% 11/30/2010 0.50% 0.44% 9.29% N/A 22.70% 29.77% 15.88% 19.64% 17.43% 11/30/2010 0.50% 0.44% Large Growth
of 1,009
of 1,009
of 943
of 755
Non-US Equity Net Asset Value Month To Date Year To Date One Year Three Year (Annualized) Five Year (Annualized) Ten Year (Annualized) Since Inception (Annualized) Inception Date Gross Expense Ratio Net Expense Ratio One Month Year To Date One Year Three Year (Annualized) Five Year (Annualized) Ten Year (Annualized) Since Inception (Annualized) Inception Date Gross Expense Ratio Net Expense Ratio Three Month Year To Date One Year Three Year (Annualized) Five Year (Annualized) Ten Year (Annualized) Since Inception (Annualized) Inception Date Gross Expense Ratio Net Expense Ratio Category Overall Rating 3 Year Rating 5 Year Rating 10 Year Rating
GuideStone International Equity (GIEYX) 3 Institutional 15.71 0.89% 26.83% 23.06% 16.47% 8.78% 8.57% 6.47% 8/27/2001 0.85% 0.85% 0.76% 25.71% 22.04% 15.85% 8.98% 8.05% 6.44% 8/27/2001 0.85% 0.85% 3.94% 25.35% 16.87% 22.37% 11.27% 8.63% 6.48% 8/27/2001 0.85% 0.85% Foreign Large Blend
of 641
of 641
of 611
of 474
GuideStone Emerging Markets Equity (GEMYX) 3 Institutional 11.98 0.46% 31.23% 27.07% 16.22% 4.60% 8.47% 4.28% 10/31/2013 1.11% 1.05% -1.90% 30.63% 29.21% 15.54% 5.59% 7.73% 4.25% 10/31/2013 1.11% 1.05% 10.37% 27.68% 18.52% 19.31% 7.23% 7.87% 4.12% 10/31/2013 1.11% 1.05% Diversified Emerging Mkts
of 693
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Vanguard Total International Stock Index (VTIAX) 40.60 1.00% 30.04% 26.08% 16.00% 8.16% 8.59% 6.41% 11/29/2010 0.09% 0.09% 0.27% N/A 25.44% 15.22% 8.59% 8.00% 6.35% 11/29/2010 0.09% 0.09% 6.96% N/A 17.10% 20.77% 10.38% 8.32% 6.30% 11/29/2010 0.09% 0.09% Foreign Large Blend
of 641
of 641
of 611
of 474
Fixed Income Net Asset Value Month To Date Year To Date One Year Three Year (Annualized) Five Year (Annualized) Ten Year (Annualized) Since Inception (Annualized) Inception Date Gross Expense Ratio Net Expense Ratio One Month Year To Date One Year Three Year (Annualized) Five Year (Annualized) Ten Year (Annualized) Since Inception (Annualized) Inception Date Gross Expense Ratio Net Expense Ratio Three Month Year To Date One Year Three Year (Annualized) Five Year (Annualized) Ten Year (Annualized) Since Inception (Annualized) Inception Date Gross Expense Ratio Net Expense Ratio Category Overall Rating 3 Year Rating 5 Year Rating 10 Year Rating
GuideStone Money Market (GMYXX) 8 Institutional 1.00 0.13% 4.02% 4.26% 4.81% 3.12% 2.09% 1.75% 8/27/2001 0.15% 0.15% 0.32% 3.89% 4.28% 4.81% 3.10% 2.08% 1.75% 8/27/2001 0.15% 0.15% 1.06% 3.20% 4.41% 4.76% 2.96% 2.01% 1.73% 8/27/2001 0.15% 0.15% N/A N/A N/A N/A
7-day current annualized yield (net) = 3.74%, 7-day current annualized yield (gross) = 3.74%, as of 12/12/2025 7-day current annualized yield (net) = 3.91%, 7-day current annualized yield (gross) = 3.91%, as of 11/30/2025 7-day current annualized yield (net) = 4.05%, 7-day current annualized yield (gross) = 4.05%, as of 9/30/2025
GuideStone Global Bond (GGBEX) 3, 9, 10 Institutional 8.84 -0.11% 7.32% 5.96% 4.29% -0.51% 2.63% 1.78% 5/1/2015 0.57% 0.57% 0.39% 7.45% 5.69% 4.62% -0.36% 2.45% 1.79% 5/1/2015 0.57% 0.57% 1.36% 7.05% 3.44% 6.08% 0.19% 2.48% 1.79% 5/1/2015 0.57% 0.57% Global Bond
of 147
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Vanguard Short Term Bond Index (VBIRX) 10.32 -0.14% 5.68% 5.58% 4.72% 1.45% 2.02% 2.69% 11/12/2001 0.06% 0.06% 0.62% N/A 5.73% 4.79% 1.49% 2.05% 2.70% 11/12/2001 0.06% 0.06% 1.28% N/A 4.03% 4.84% 1.33% 1.92% 2.68% 11/12/2001 0.06% 0.06% Short-Term Bond
of 530
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of 383
FPA New Income - Institutional (FPNIX) 10.10 -0.20% 6.97% 6.58% 6.41% 3.29% 3.01% 6.20% 7/11/1984 0.58% 0.45% 0.54% N/A 6.68% 6.45% 3.37% 3.01% 6.21% 7/11/1984 0.58% 0.45% 1.76% N/A 5.00% 6.29% 3.23% 2.88% 6.21% 7/11/1984 0.58% 0.45% Short-Term Bond
of 530
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Vanguard Total Bond Market Index (VBTLX) 9.75 -0.66% 6.74% 5.52% 4.00% -0.46% 1.87% 3.37% 11/12/2001 0.04% 0.04% 0.63% N/A 5.57% 4.56% -0.33% 1.97% 3.41% 11/12/2001 0.04% 0.04% 1.93% N/A 2.88% 4.90% -0.48% 1.82% 3.38% 11/12/2001 0.04% 0.04% Intermediate Core Bond
of 414
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Baird Aggregate Bond Fund Class Inst (BAGIX) 9.94 -0.80% 6.78% 5.59% 4.58% -0.18% 2.30% 4.35% 9/29/2000 0.30% 0.30% 0.64% N/A 5.79% 5.18% -0.01% 2.40% 4.39% 9/29/2000 0.30% 0.30% 2.14% N/A 3.08% 5.58% -0.12% 2.26% 4.36% 9/29/2000 0.30% 0.30% Intermediate Core Bond
of 414
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of 371
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Real Assets/Alternatives Net Asset Value Month To Date Year To Date One Year Three Year (Annualized) Five Year (Annualized) Ten Year (Annualized) Since Inception (Annualized) Inception Date Gross Expense Ratio Net Expense Ratio One Month Year To Date One Year Three Year (Annualized) Five Year (Annualized) Ten Year (Annualized) Since Inception (Annualized) Inception Date Gross Expense Ratio Net Expense Ratio Three Month Year To Date One Year Three Year (Annualized) Five Year (Annualized) Ten Year (Annualized) Since Inception (Annualized) Inception Date Gross Expense Ratio Net Expense Ratio Category Overall Rating 3 Year Rating 5 Year Rating 10 Year Rating
GuideStone Global Real Estate Securities (GREYX) 11 Institutional 9.30 -2.15% 7.94% 4.18% 6.72% 4.16% 4.93% 4.17% 5/1/2015 0.91% 0.91% 2.01% 10.30% 2.29% 7.21% 4.86% 4.94% 4.40% 5/1/2015 0.91% 0.91% 2.90% 9.39% -0.41% 10.35% 6.30% 5.24% 4.39% 5/1/2015 0.91% 0.91% Global Real Estate
of 149
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You should carefully consider the investment objectives, risks, charges and expenses of each investment Fund before investing. A prospectus with this and other information for each registered Fund may be obtained as follows: GuideStone Funds, call 1-888-GS-FUNDS (1-888-473-8637) or visit GuideStoneFunds.com/Funds; Vanguard Funds, call 1-877-662-7447 or visit the Web site at www.vanguard.com.; Victory Funds, call 1-800-235-8396 or visit the Web site at www.vcm.com.; JP Morgan Funds, call 1-800-480-4111 or visit the Web site at www.am/jpmorgan.com.; American Funds, call 1-800-421-4225 or visit the Web site at www.capitalgroup.com.; Touchstone Funds, call 1-800-543-0407 or visit the Web site at www.westernsouthern.com.; Fidelity Funds, call 1-800-343-3548 or visit the Web site at www.fidelity.com.; MFS Funds, call 1-800-225-2606 or visit the Web site at www.mfs.com. You should read the prospectus carefully before investing. GuideStone is making no representation as to the completeness or accuracy of materials related to the addresses above.

All performance data for supplemental funds is provided by Morningstar. © 2025 Morningstar. All Rights Reserved. The information contained herein: (1) is proprietary to Morningstar and/or its content providers; (2) may not be copied or distributed; and (3) is not warranted to be accurate, complete or timely. Neither Morningstar nor its content providers are responsible for any damages or losses arising from any use of this information. Past performance is no guarantee of future results.

The performance quoted may reflect fee waivers in effect, and, if so, would have been lower in their absence. All figures shown represent total return, except for those identified as yield. Total return is based on net change in NAV with reinvestment of all distributions. Returns for periods less than one year are aggregate and for periods greater than one year are annualized. Yield for the Money Market Fund represents the annualization of the Fund's declared dividends over the period indicated, excluding capital gains distributions. The yield more closely reflects the current earnings of the Fund than the total return.

GuideStone Funds and the Supplemental Investment Funds are registered mutual funds. Shares of GuideStone Funds are distributed by Foreside Funds Distributors LLC, a registered broker-dealer and underwriter of the funds, 400 Berwyn Park, 899 Cassatt Road, Berwyn, PA 19312. Shares of the Supplemental Investment Funds are distributed by other broker-dealers.

Ratings are subject to change monthly. Past ratings are no guarantee of future ratings. Investment return and the value of an investor’s shares will fluctuate. Shares may be worth more or less than original cost when redeemed.

The Morningstar Rating™ for funds, often called a star rating, is a quantitative assessment of a fund’s past performance — both return and risk — as measured from one to five stars.

Morningstar, Inc. is a leading provider of independent investment research in the United States and in major international markets. Morningstar is a trusted source for insightful information on stocks, mutual funds, variable annuities, closed-end funds, exchange-traded funds, separate accounts, hedge funds and 529 college savings plans. With operations in 16 countries, Morningstar currently provides data on more than 125,000 investment offerings worldwide.

© 2025 Morningstar, Inc. All Rights Reserved. The information contained herein: (1) is proprietary to Morningstar and/or its content providers; (2) may not be copied or distributed; and (3) is not warranted to be accurate, complete or timely. Neither Morningstar nor its content providers are responsible for any damages or losses arising from any use of this information.

For each fund with at least a three-year history, Morningstar calculates a Morningstar Rating based on a Morningstar Risk-Adjusted Return measure that accounts for variation in a fund’s monthly performance (including the effects of sales charges, loads and redemption fees), placing more emphasis on downward variations and rewarding consistent performance. Morningstar provides adjusted historical returns and an Extended Performance Rating for mutual funds with multiple share classes (where at least one class has three years of history).This means that any share class that doesn’t have a 3-, 5-, or 10-year performance history may receive a hypothetical Morningstar Rating based on the oldest surviving share class of the fund. Morningstar first takes the performance of the initial share class for the prior periods and adjust those returns for any difference in fee structure. Next, the Extended Performance Rating is determined by comparing the adjusted-historical returns to the current investment universe to identify placement in the bell curve used to assign the Morningstar Rating. The top 10% of funds in each category receive 5 stars, the next 22.5% receive 4 stars, the next 35% receive 3 stars, the next 22.5% receive 2 stars and the bottom 10% receive 1 star. (Each share class is counted as a fraction of one fund within this scale and rated separately, which may cause slight variations in the distribution percentages.) The Overall Morningstar Rating for a fund is derived from a weighted average of the performance figures associated with its three-year and five-year Morningstar Rating metrics, which are based on a risk-adjusted return.

1 The MyDestination Funds (“Funds”) attempt to achieve their objectives by investing in the GuideStone Select Funds. The Funds are managed to a retirement date (“target date”) by adjusting the percentage of fixed income securities and equity securities to become more conservative each year until reaching the retirement year and then approximately 15 years thereafter. The target date in the name of the Funds is the approximate date when an investor plans to start withdrawing money. By investing in the Funds you will also incur the expenses and risks of the underlying Select Funds.  The principal risks of the Funds will change depending on the asset mix of the Select Funds in which they invest. You may directly invest in the Select Funds. The Funds’ value will go up and down in response to changes in the share prices of the investments that they own. The amount invested in the Fund is not guaranteed to increase, is not guaranteed against loss, nor is the amount of the original investment guaranteed at the target date. It is possible to lose money by investing in the Funds. While the Fund is designed for an investor who anticipates retiring at or near the target date, the strategy does not guarantee that investors' retirement goals will be met.

2 Target Risk Funds ("Funds") attempt to achieve their objectives by investing in the GuideStone Select Funds. By investing in the Funds you will also incur the expenses and risks of the underlying Select Funds. The principal risks of the Funds will change depending on the asset mix of the Select Funds in which they invest. You may directly invest in the Select Funds. The Funds' value will go up and down in response to changes in the share prices of the investments that they own. It is possible to lose money by investing in the Funds.

3 Foreign securities involve risk from adverse changes in currency exchange rates. Securities of emerging countries may involve additional risks including price volatility, reduced liquidity, lax financial reporting requirements as well as political and economic instability.

4 The Fund’s volatility may be amplified by its use of short sales and derivatives. Short sales by a fund theoretically involve unlimited loss potential since the market price of securities sold short may continuously increase. Leverage may increase the risk of loss and cause fluctuations in the market value of the Fund’s portfolio to have disproportionately large effects or cause the NAV of the Fund generally to decline faster than it would otherwise.

5 Convertible bonds are subject to interest rate risk, meaning values of existing bonds generally fall when interest rates rise. They also may decrease in value when the underlying common stock decreases in value.

6 There is a risk that value-oriented investments may not perform as well as the rest of the U.S. stock market as a whole.

7 Small company stocks are generally riskier than large company stocks due to greater volatility and less liquidity.

8 You could lose money by investing in the Fund. Although the Fund seeks to preserve the value of your investment at $1.00 per share, it cannot guarantee it will do so. An investment in the Fund is not a bank account and is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. The Fund’s sponsor is not required to reimburse the Fund for losses, and you should not expect that the sponsor will provide financial support to the Fund at any time, including during periods of market stress.

9 The fund invests in high yield securities, commonly known as “junk bonds.” While offering higher currency yields, these securities generally are considered speculative and are subject to greater default and liquidity risks than higher-rated bonds.

10 The bonds held by the bond funds are subject to interest rate risk. Values of existing bonds generally fall when interest rates rise.

11 Real estate investing involves risks not associated with investing in stocks. Risks include declines in the value of real estate, general and economic conditions, changes in the value of the underlying property and defaults by borrowers. The value of assets in the real estate industry may go through cycles of relative underperformance and outperformance in comparison to equity securities markets in general.