For all participants, GuideStone Funds makes available its registered Money Market Fund for investment in retirement plans and other investment accounts. GuideStone Financial Resources additionally makes available a non-registered Capital Preservation Fund to its Southern Baptist participants in a 403(b) plan.
What are these two Funds, and are they appropriate for investors?
GuideStone Funds Money Market Fund
This Fund may be suitable for investors who have a short-term investment horizon, want to maintain a stable dollar value for their investment and can accept a long-term rate of return that may be lower than other fixed-income or equity investments.
The Fund, which invests in a broad range of high-quality, short-term money market investments denominated exclusively in U.S. dollars, is a Select Fund that is lowest on the risk/return scale. Generally, it is considered low risk, but offers a low potential return. Fund performance for this Fund is available on our website.
GuideStone Financial Resources Capital Preservation Fund
This Fund may be suitable for investors who want to preserve capital and are seeking higher current income than a money market fund may offer over most time periods.
The Fund, which invests primarily in a diversified portfolio of investment-grade fixed-income securities, also ranks low on a risk/return scale. At the beginning of each quarter, GuideStone Financial Resources announces the estimated compounded annualized yield range for the quarter. Fund information, including this estimated yield, is available on the GuideStone Retirement Plans website.
Who should be invested in these Funds?
Like any investment, it is important to note that it is possible to lose money in either Fund. Neither is guaranteed by the FDIC or any other government agency. They are generally for individuals who would like to keep a portion of their portfolio in cash or cash equivalents. In general, few investors would want to have all their retirement investments in either Fund.
GuideStone Funds offers 20 different Funds with varying degrees of risk, different investment strategies and investor suitability to fit the needs of our diverse participant base. Visit our Funds’ website for information on each Fund to determine how best to utilize these in your retirement portfolio.
You should carefully consider the investment objectives, risks, charges and expenses of GuideStone Funds before investing. For a copy of the prospectus with this and other information about the funds, please
download a prospectus (pdf)
or call 1-888-98-GUIDE (1-888-984-8433). You should read the prospectus carefully before investing.
An investment in the Money Market Fund is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other governmental agency. Although the Fund seeks to maintain a value of $1.00 per share, it is possible to lose money.
GuideStone Funds shares are distributed by BNY Mellon Distributors Inc., 760 Moore Rd., King of Prussia, PA 19406.
Shares of the Capital Preservation Fund are offered by GuideStone Financial Resources, 2401 Cedar Springs Road, Dallas, TX 75201-1498. For more information about the Capital Preservation Fund, including fees and expenses call 1-888-98-GUIDE (1-888-984-8433).
Participants are prohibited from exchanging out of the Capital Preservation Fund to a “competing fund” without first investing in a “non-competing fund” for a period of at least 90 days. A “competing fund” is any fund predominantly invested in fixed-income securities whose average duration is generally less than 3½ years. For GuideStone Funds, “competing funds” are comprised of the Money Market Fund, the Low-Duration Bond Fund, the Conservative Allocation Fund and the Conservative Allocation I Fund. The definition of a “non-competing fund” is any fund option(s) other than those funds defined as “competing funds.” Also, simultaneous exchanges are not allowed, meaning participants may not exchange from the fund to a “non-competing fund” and simultaneously exchange from a “non-competing fund” to a “competing fund.”