GuideStone’s socially screened funds are a top choice for faith-based organizations.

The Role of Church Plan Fiduciaries White Paper




Church plans are different. And we do them better than anyone.

GuideStone® is a leading industry expert on 403(b)(9) plan responsibilities and requirements.

403(b)(9) church plans are not merely a nonprofit version of 401(k) plans. Though church plans are not subject to ERISA requirements, all retirement plans have their own complexities. Compliance is critical and expertise is essential. With over a century serving ministries, GuideStone is the choice of more than 38,000 churches and 600 ministry organizations.

Our 403(b) retirement plan experts understand this unique niche of plan sponsors, specializing in the intricacy of plan compliance — whether designating housing allowance, non-ERISA benefits or specific fiduciary responsibilities.

Learn More About GuideStone 403(b) Retirement Plans >>

Do well. Do right. Do MORE.

Do Well. Do Right. Do More

GuideStone is a leading 403(b) church plan provider.

GuideStone was founded more than 100 years ago to ensure the basic needs of elderly pastors and their wives were met and today helps 200,000 participants prepare for the future by providing access to a wide array of investment options through award-winning GuideStone Funds®.

We offer a comprehensive menu of retirement funds.

GuideStone offers a broad range of socially responsible target date, asset allocation, equity, fixed income, real asset and alternative/specialty mutual funds. Our flexible investment lineup provides both active and passive investment options, as well as tiered participant guidance. Our Target Date Funds can be combined with more than 20,000 asset class funds for a fully customized plan design.

Our Christian values are the heart of our retirement plans.

Just as church plans are different from other retirement plans, faith-based investors consider values when making their financial decisions. GuideStone understands Christian commitment because we share that commitment. We take a stand for life, family, stewardship, health and safety by offering faith-based investments.

We're also proud to announce the entire GuideStone Funds family won the Lipper Fund Award for the 2019 Best Overall Small Fund Family — further supporting that investors don't have to choose between award-winning performance or investing according to their values; they can have both!

See the GuideStone Difference with Faith-based Investing >>


The flexibility, choice and competitive pricing your clients want and you expect.

GuideStone offers a flexible investment menu.

You require a variety of retirement investment lineups to align with your clients’ goals and objectives. We offer that flexibility with a menu that ranges from conservative to aggressive with our own faith-based Funds complemented by access to a platform of up to 20,000 non-screened asset-based funds. Your clients can therefore choose to invest in only faith-based Funds from GuideStone or utilize a customized fund menu with GuideStone's Target Date Funds and supplemental funds of their choice.

GuideStone provides investor choice.

Our tiered-investment choice allows plan participants to select a diversified portfolio strategy based on their time, interest or knowledge of investments. A GuideStone plan participant can choose Do It For Me, Do It Myself or Do It Together. Our three investment approaches help the full range of investors — from novice to experienced — meet their unique savings objectives with diversified investment options across all management classes.

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Our fees are as flexible as our investment menu.

Beyond the flexibility and choice built into GuideStone’s retirement plans, there is also transparency and choice in our fee structure. GuideStone allows plan sponsors to exclusively use the Institutional share class and pay for plan servicing fees outside of the net expense ratio of the fund. Under this pricing model, the fee for our comprehensive plan services is unbundled into plan design, recordkeeping and administration, trustee services and participant education, giving your client’s plan more fee transparency.

Learn More About Our Fee Choice >>

Premier Flexible Custom Please note that GuideStone provides plan sponsors with two share class options — classified as Investor and Institutional ($1 million in plan assets to qualify).

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Preference meets performance.

75% of investors prefer values-based investing.1

Some might be surprised, assuming that there is a compromise when one invests based on personal conviction. Instead, it makes sense that deeply held beliefs strongly correspond with investment preference — because those core values don’t change like other investment factors (the market, tech trends, etc.). Values aren’t volatile.

In fact, 71% also believe it’s important to make a positive impact in the world through their investing. Moreover, 78% believe it’s critical to invest only in companies that are ethically managed.

SRI funds are ahead of the global fund universe.2

It’s not just that people want to invest based on their values. They also get strong performance when they do. In a Morningstar study conducted from 2002 through 2016, socially conscious funds were rated 4 and 5 stars in 33.5% of all instances compared to 32.5% of the overall global fund universe. Actual performance proves that those who still cling to the “negative impact” myth are misinformed.

GuideStone is part of this positive impact.

GuideStone Funds is honored, for the second time, to be awarded as the Best Overall Small Fund Family. The GuideStone Funds family won the Lipper Fund Award for 2019 Best Overall Small Fund Family over 3 years (out of 29 eligible fund families as of November 30, 2018) based on risk-adjusted total return. We believe that values and performance can work together for investors.

Learn More About GuideStone Funds' Performance >>
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Easing fiduciary responsibilities.

GuideStone Church Plans 403(b)9

GuideStone’s complementary plan support is customized to your client’s needs.

Flexibility is a large factor in GuideStone’s 403(b) retirement plan leadership. Like our investment lineup, tiered participant menu and fee choice, our 403(b) retirement plan support services are also flexible. We design our administrative, recordkeeping and plan support services to complement fiduciary services and come alongside you in the same manner we come alongside our participants. GuideStone will customize how we work with you to help serve your clients.

Learn More About GuideStone’s Recordkeeping and Administrative Services >>


Similarly, some fiduciaries simply want to add faith-based funds for select clients. GuideStone Funds can be utilized as a singular solution within a larger portfolio, whether by a foundation or endowment or within a retirement plan. Many of our Funds provide a unique complement within a wider portfolio, including our low-beta equity and global bond Funds.

Learn More About GuideStone Funds’ Direct Contribution Investment Option >>

Discover the GUIDESTONE difference.

Preparing Employees Today for Retirement Tomorrow

GuideStone shares your mission and offers comprehensive retirement plans designed to accomplish your goals. Talk to a church plan expert about our investment flexibility, competitive pricing and exceptional service: