DGITX vs. VBAIX

Last updated Jul 11, 2026

DGITX (DGI Balanced Fund) and VBAIX (Vanguard Balanced Index Fund Institutional Shares) are both Diversified Portfolio funds. Over the past 5 years, DGITX returned 4.01%/yr vs 7.87%/yr for VBAIX. Their correlation of 0.91 suggests significant overlap in exposure. DGITX charges 1.40%/yr vs 0.04%/yr for VBAIX.

Performance

DGITX vs. VBAIX - Performance Comparison

The chart below illustrates the hypothetical performance of a $10,000 investment in DGI Balanced Fund (DGITX) and Vanguard Balanced Index Fund Institutional Shares (VBAIX). The values are adjusted to include any dividend payments, if applicable.

Returns By Period

In the year-to-date period, DGITX achieves a 6.29% return, which is significantly lower than VBAIX's 7.02% return.

DGITX

• 1D: 0.44%
• 1M: 0.37%
• 6M: 4.35%
• YTD: 6.29%
• 1Y: 13.35%
• 3Y*: 11.00%
• 5Y*: 4.01%
• 10Y*: —

VBAIX

• 1D: 0.59%
• 1M: 0.95%
• 6M: 5.55%
• YTD: 7.02%
• 1Y: 15.00%
• 3Y*: 15.52%
• 5Y*: 7.87%
• 10Y*: 9.90%

*Multi-year figures are annualized to reflect compound growth (CAGR)

DGITX vs. VBAIX - Yearly Performance Comparison

	2026 (YTD)	2025	2024	2023	2022	2021
DGITX DGI Balanced Fund	6.29%	12.53%	6.91%	10.92%	-15.06%	0.60%
VBAIX Vanguard Balanced Index Fund Institutional Shares	7.02%	13.60%	17.78%	17.55%	-16.87%	7.41%

Correlation

The correlation between DGITX and VBAIX is 0.96 - these two move nearly in lockstep. At this level, holding both provides almost no diversification benefit. If you already own one, adding the other does little to reduce portfolio risk.

	Correlation
Correlation (1Y) Calculated over the trailing 1-year period	0.96
Correlation (3Y) Calculated over the trailing 3-year period	0.92
Correlation (5Y) Calculated over the trailing 5-year period	0.91
Correlation (All Time) Calculated using the full available price history since Jun 2, 2021	0.91

The correlation between DGITX and VBAIX has been stable across timeframes, ranging from 0.91 to 0.96 - a consistent structural relationship.

Return for Risk

DGITX vs. VBAIX — Risk / Return Rank

Compare risk-adjusted metric ranks to identify better-performing investments over the past 12 months.

DGITX

DGITX Risk / Return Rank: 51
DGITX Sharpe Ratio Rank: 50
DGITX Sortino Ratio Rank: 51
DGITX Omega Ratio Rank: 49
DGITX Calmar Ratio Rank: 49
DGITX Martin Ratio Rank: 56

VBAIX

VBAIX Risk / Return Rank: 68
VBAIX Sharpe Ratio Rank: 64
VBAIX Sortino Ratio Rank: 64
VBAIX Omega Ratio Rank: 63
VBAIX Calmar Ratio Rank: 68
VBAIX Martin Ratio Rank: 79

The rank (0–100) shows how this investment's returns compare to the risk taken. Higher = better. Based on the past 12 months of data, combining Sharpe, Sortino, and other metrics used by quantitative funds and institutional investors.

DGITX vs. VBAIX - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for DGI Balanced Fund (DGITX) and Vanguard Balanced Index Fund Institutional Shares (VBAIX). Risk-adjusted metrics are performance indicators that assess an investment's returns in relation to its risk, enabling a more accurate comparison of different investment options.

Values are calculated on a 1-year rolling basis and updated daily. Risk-adjusted metrics are more stable over longer periods — use the period switch above to explore them.

	DGITX	VBAIX	Difference
Sharpe ratio: Return per unit of total volatility	1.58	1.77	-0.19
Sortino ratio: Return per unit of downside risk	2.29	2.52	-0.22
Omega ratio: Gain probability vs. loss probability	1.29	1.32	-0.04
Calmar ratio: Return relative to maximum drawdown	2.16	2.53	-0.37
Martin ratio: Return relative to average drawdown	8.87	11.10	-2.22

DGITX vs. VBAIX - Sharpe Ratio Comparison

The current DGITX Sharpe Ratio is 1.58, which is comparable to the VBAIX Sharpe Ratio of 1.77. The chart below compares the historical Sharpe Ratios of DGITX and VBAIX, calculated using daily returns over the previous 12 months. A higher Sharpe Ratio indicates better risk-adjusted performance relative to the risk-free rate.

Drawdowns

DGITX vs. VBAIX - Drawdown Comparison

The maximum DGITX drawdown since its inception was -18.45%, smaller than the maximum VBAIX drawdown of -35.82%. Use the drawdown chart below to compare losses from any high point for DGITX and VBAIX.

Drawdown Indicators

	DGITX	VBAIX	Difference
Max Drawdown Largest peak-to-trough decline	-18.45%	-35.82%	+17.37%
Max Drawdown (1Y) Largest decline over 1 year	-6.00%	-5.84%	-0.16%
Max Drawdown (3Y) Largest decline over 3 years	-9.95%	-11.57%	+1.62%
Max Drawdown (5Y) Largest decline over 5 years	-18.45%	-21.52%	+3.07%
Max Drawdown (10Y) Largest decline over 10 years	—	-22.77%	—
Current Drawdown Current decline from peak	-0.36%	-0.36%	0.00%
Average Drawdown Average peak-to-trough decline	-5.92%	-4.41%	-1.51%
Ulcer Index Depth and duration of drawdowns from previous peaks	1.46%	1.33%	+0.13%

Volatility

DGITX vs. VBAIX - Volatility Comparison

The current volatility for DGI Balanced Fund (DGITX) is 2.41%, while Vanguard Balanced Index Fund Institutional Shares (VBAIX) has a volatility of 2.83%. This indicates that DGITX experiences smaller price fluctuations and is considered to be less risky than VBAIX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.

Volatility by Period

	DGITX	VBAIX	Difference
Volatility (1M) Calculated over the trailing 1-month period	2.41%	2.83%	-0.42%
Volatility (6M) Calculated over the trailing 6-month period	6.63%	6.75%	-0.12%
Volatility (1Y) Calculated over the trailing 1-year period	8.21%	8.37%	-0.16%
Volatility (5Y) Calculated over the trailing 5-year period, annualized	9.52%	11.18%	-1.66%
Volatility (10Y) Calculated over the trailing 10-year period, annualized	9.45%	11.24%	-1.79%

DGITX vs. VBAIX - Expense Ratio Comparison

DGITX has a 1.40% expense ratio, which is higher than VBAIX's 0.04% expense ratio.

Dividends

DGITX vs. VBAIX - Dividend Comparison

DGITX's dividend yield for the trailing twelve months is around 1.09%, less than VBAIX's 5.33% yield.

Position	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
DGITX DGI Balanced Fund	1.09%	1.16%	0.73%	0.94%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
VBAIX Vanguard Balanced Index Fund Institutional Shares	5.33%	6.01%	8.01%	4.36%	2.84%	3.20%	2.65%	2.29%	2.33%	1.96%	2.10%	2.10%

Frequently Asked Questions

Can I hold both DGITX and VBAIX in my portfolio?

With a correlation of 0.96, DGITX and VBAIX move almost identically. Holding both adds very little diversification - you're essentially doubling your position in the same market segment. Choosing one is usually more capital-efficient.

Which is riskier, DGITX or VBAIX?

VBAIX has higher volatility (2.83%) compared to DGITX (2.41%). In terms of maximum drawdown, DGITX dropped -18.45% vs VBAIX's -35.82%.

Which has better risk-adjusted returns?

VBAIX currently has the higher Sharpe Ratio (1.77 vs 1.58), meaning it's delivered slightly more return per unit of risk over the trailing 12 months. However, this ranking shifts over time - use the Risk/Return Score above for a more comprehensive view that combines Sharpe, Sortino, and other measures used by quantitative funds.