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Southern Baptist pastors see pay match inflation; more doing without health insurance
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President's Message
Hear from GuideStone's President 
O.S. Hawkins.

GuideStone Funds FAQs

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What is FDIC insurance?

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Are my investments with GuideStone Funds FDIC insured?

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What is SIPC insurance?

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Is GuideStone a member of SIPC?

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What are Asset Allocation Funds?

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What are Date Target Funds?

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What are Fund Expenses?

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What are Growth Funds?

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What are GS2 and GS4?

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What are Select Funds?

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What are Value Funds?

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What is a “Manager of Managers”?

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What is a Mutual Fund?

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What is a Sub-Adviser?

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What is Duration?

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What is Market Capitalization?

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What is the S&P 500® Index?

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Who is GuideStone Capital Management?

What is FDIC insurance?
(Federal Deposit Insurance Corporation) insurance was created in1933 to provide deposit insurance for checking and saving deposits of member banks. It guarantees the amount you have on deposit, up to $100,000, at an insured bank. For bank deposits held in IRAs, the maximum cover goes up to $250,000. FDIC insurance does not cover stocks, bonds, mutual funds, life insurance policies, annuities, U.S. Treasury bills, bonds or notes and similar type investments. For more information, visit www.fdic.gov.
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Are my investments with GuideStone Funds FDIC insured?
GuideStone is not a bank and therefore your investments with GuideStone Funds are not covered by FDIC insurance. When you invest in mutual funds, you are seeking potential returns for your investments. In return for the growth of your investments, you are taking on risk, which can include a loss in principal. The GuideStone Funds mutual funds use diversification to moderate the risk of failure of a single company. GuideStone Funds mutual funds may hold hundreds and even thousands of securities, so the failure of one company may only represent a small percentage of the funds total assets.
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What is SIPC insurance?
Securities Investor Protection Corporation (SIPC) is a nonprofit corporation established by the federal government that protects investor’s securities from harm if a broker/dealer defaults. In other words, it covers the replacement of missing securities up to $500,000, including $100,000 in cash if the firm where your brokerage account is held becomes insolvent or goes bankrupt. It does not protect from any potential loss while invested in the market and your brokerage firm must be a member of SIPC for you to be covered. For more information, visit www.sipc.org
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Is GuideStone a member of SIPC?
No, only a broker-dealer can be a member of SIPC. Your GuideStone mutual funds are purchased directly from GuideStone and are held by the funds’ transfer agent, not by a broker-dealer.
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What are Asset Allocation Funds?

Each Asset Allocation Fund is a “fund of funds.” It invests in a different mix of the Select Funds to meet a specified investment strategy. The Adviser believes blending investment styles and money managers may reduce risk over the long term.

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What are Date Target Funds?

Each Date Target Fund is a “fund of funds.” It invests primarily in a diversified mix of the Select Funds based on an asset allocation strategy that gradually reduces stock exposure and increases bond exposure as the targeted retirement date approaches. The Adviser believes blending asset classes, investment styles, and money managers may reduce risk over the long term.

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What are Fund Expenses?
Every mutual fund has operating expenses to pay for services such as advisory, distribution, administration and custody. The fund’s expenses are shown as an annual percentage of its average annual net assets. Operating expenses are deducted from fund assets so you pay these expenses indirectly.
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What are Growth Funds?
Growth funds invest in the stock of growth oriented companies seeking maximum growth of revenues and earnings with little regard for dividends. Generally, companies with high relative rates of growth tend to reinvest more of their profits into the company and pay out less to shareholders in the form of dividends. As a result, investors in growth funds tend to receive most of their return in the form of capital appreciation.
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What are GS2 and GS4?

These are the designations for the two share classes of GuideStone Funds. For complete information on each share class, please refer to the prospectus.

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What are Select Funds?
Select Funds invest directly in different types of fixed income obligations, stocks or other investments to meet their respective investment objectives.
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What are Value Funds?
Value funds generally emphasize stocks of companies that are believed to be fundamentally attractive based on certain valuation factors. These stocks generally have growth prospects regarded as subpar by the market. Reflecting these market expectations, the prices of value stocks typically are below-average in comparison with such factors as revenue, earnings, book value and dividends.
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What is a “Manager of Managers”?
The investment adviser does not make the day-to-day investment decisions for the Select Funds. Rather, it retains the services of experienced investment management firms to do so. The investment adviser continuously monitors the sub-advisers.
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What is a Mutual Fund?
A mutual fund pools shareholders’ money and, using professional management, invests in securities like stocks and bonds.
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What is a Sub-Adviser?
Each sub-adviser makes the day-to-day investment decisions for the Select Fund’s assets that it manages, subject to the supervision of the investment advisor and the mutual fund board. Each sub-adviser continuously reviews, supervises and administers its own investment program.
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What is Duration?
Duration is a mathematical calculation of the average life of a bond, that takes into account not only the maturity of a bond, but also the time when payments are made. It is a useful measure of sensitivity to interest rate changes — the longer a bond’s duration, the more sensitive it is to interest rate changes. Generally, the stated maturity of a bond is longer than its projected duration.
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What is Market Capitalization?
Market capitalization is the total dollar value of all of an issuer’s outstanding shares in a market. It is a measure of corporate size. The market capitalization of an issuer is equal to the number of shares outstanding multiplied by the price per share.
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What is the S&P 500® Index?
The S&P 500® Index includes 500 of the largest market capitalized companies operating across a broad spectrum of the U.S. economy, and its performance is widely considered representative of the U.S. stock market as a whole.
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Who is GuideStone Capital Management?
GuideStone Capital Management serves as the investment adviser to the Funds. The Adviser is an affiliate of GuideStone Financial Resources of the Southern Baptist Convention (“GuideStone Financial Resources”). Rather than making the day-to-day investment decisions for the Select Funds, the Adviser retains the services of other investment management firms to do so. It also allocates the Date Target Funds’ and Asset Allocation Funds’ investments among the Select Funds.
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