DLDFX vs. VBIRX
DLDFX (Destinations Low Duration Fixed Income Fund) and VBIRX (Vanguard Short-Term Bond Index Fund Admiral Shares) are both Short-Term Bond funds. Over the past 5 years, DLDFX returned 3.80%/yr vs 1.54%/yr for VBIRX. Their 0.37 correlation means their historical movements had little consistent relationship. DLDFX charges 0.93%/yr vs 0.06%/yr for VBIRX.
Performance
DLDFX vs. VBIRX - Performance Comparison
Loading charts...
Returns By Period
In the year-to-date period, DLDFX achieves a 1.77% return, which is significantly higher than VBIRX's 0.14% return.
DLDFX
- 1D
- -0.04%
- 1M
- 0.18%
- 6M
- 1.33%
- YTD
- 1.77%
- 1Y
- 4.60%
- 3Y*
- 5.59%
- 5Y*
- 3.80%
- 10Y*
- —
- ALL TIME*
- 3.50%
VBIRX
- 1D
- 0.00%
- 1M
- -0.29%
- 6M
- 0.00%
- YTD
- 0.14%
- 1Y
- 2.10%
- 3Y*
- 4.40%
- 5Y*
- 1.54%
- 10Y*
- 1.85%
- ALL TIME*
- 2.58%
Liquidity Comparison
| Position | Avg. Volume Value (2W) | Avg. Volume Value (1M) | Avg. Volume Value (3M) |
|---|---|---|---|
| $0.00 | $0.00 | $0.00 | |
| $0.00 | $0.00 | $0.00 |
DLDFX vs. VBIRX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | |
|---|---|---|---|---|---|---|---|---|
DLDFX Destinations Low Duration Fixed Income Fund | 1.77% | 4.91% | 6.09% | 7.11% | -2.59% | 5.41% | 1.52% | 1.16% |
VBIRX Vanguard Short-Term Bond Index Fund Admiral Shares | 0.14% | 6.09% | 3.75% | 4.87% | -5.63% | -1.20% | 4.69% | 2.00% |
Correlation
The correlation between DLDFX and VBIRX is 0.48, which is low. Their historical price movements had little consistent relationship.
| Correlation | |
|---|---|
Correlation (1Y) Focuses on recent behavior, but can change the most. | 0.48 |
Correlation (3Y) Balances recent behavior with more history. | 0.47 |
Correlation (5Y) Shows whether the relationship held over a longer period. | 0.44 |
Correlation (All Time) Calculated using the full available price history since Jun 3, 2019 | 0.37 |
The correlation between DLDFX and VBIRX shifts across timeframes, from 0.37 (all time) to 0.48 (1 year), reflecting how their relationship changes across market environments.
Compare stocks, funds, or ETFs
Search for stocks, ETFs, and funds for a quick comparison or use the comparison tool for more options.
Return for Risk
DLDFX vs. VBIRX — Risk / Return Rank
DLDFX
VBIRX
DLDFX vs. VBIRX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Destinations Low Duration Fixed Income Fund (DLDFX) and Vanguard Short-Term Bond Index Fund Admiral Shares (VBIRX). 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.
| DLDFX | VBIRX | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | +1.60 | ||
| Sortino ratioReturn per unit of downside risk | +3.29 | ||
| Omega ratioGain probability vs. loss probability | 1.86 | 1.27 | +0.59 |
| Calmar ratioReturn relative to maximum drawdown | 9.06 | 1.98 | +7.08 |
| Martin ratioReturn relative to average drawdown | 28.11 | 5.56 | +22.54 |
Loading charts...
Drawdowns
DLDFX vs. VBIRX - Drawdown Comparison
The maximum DLDFX drawdown since its inception was -8.64%, roughly equal to the maximum VBIRX drawdown of -8.69%. Use the drawdown chart below to compare losses from any high point for DLDFX and VBIRX.
Loading charts...
Drawdown Indicators
| DLDFX | VBIRX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -8.64% | -8.69% | +0.05% |
Max Drawdown (1Y)Largest decline over 1 year | -0.53% | -1.54% | +1.01% |
Max Drawdown (3Y)Largest decline over 3 years | -1.71% | -1.55% | -0.16% |
Max Drawdown (5Y)Largest decline over 5 years | -3.88% | -8.55% | +4.67% |
Max Drawdown (10Y)Largest decline over 10 years | — | -8.69% | — |
Current DrawdownCurrent decline from peak | -0.07% | -0.79% | +0.72% |
Average DrawdownAverage peak-to-trough decline | -0.69% | -0.98% | +0.29% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 0.17% | 0.55% | -0.38% |
Volatility
DLDFX vs. VBIRX - Volatility Comparison
The current volatility for Destinations Low Duration Fixed Income Fund (DLDFX) is 0.35%, while Vanguard Short-Term Bond Index Fund Admiral Shares (VBIRX) has a volatility of 0.46%. This indicates that DLDFX experiences smaller price fluctuations and is considered to be less risky than VBIRX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
Loading charts...
Volatility by Period
| DLDFX | VBIRX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 0.35% | 0.46% | -0.11% |
Volatility (6M)Calculated over the trailing 6-month period | 1.31% | 1.68% | -0.37% |
Volatility (1Y)Calculated over the trailing 1-year period | 1.63% | 2.24% | -0.61% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 1.81% | 2.98% | -1.17% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 2.06% | 2.40% | -0.34% |
DLDFX vs. VBIRX - Expense Ratio Comparison
DLDFX has a 0.93% expense ratio, which is higher than VBIRX's 0.06% expense ratio.
Dividends
DLDFX vs. VBIRX - Dividend Comparison
DLDFX's dividend yield for the trailing twelve months is around 5.86%, more than VBIRX's 3.69% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
DLDFX Destinations Low Duration Fixed Income Fund | 5.86% | 5.29% | 5.64% | 4.77% | 4.54% | 3.74% | 3.86% | 2.18% | 0.00% | 0.00% | 0.00% | 0.00% |
VBIRX Vanguard Short-Term Bond Index Fund Admiral Shares | 3.69% | 3.83% | 3.37% | 2.41% | 1.46% | 1.22% | 1.77% | 2.24% | 2.03% | 1.66% | 1.50% | 1.41% |
Frequently Asked Questions
DLDFX and VBIRX have a correlation of 0.48, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
VBIRX has higher volatility (0.46%) compared to DLDFX (0.35%). In terms of maximum drawdown, DLDFX dropped -8.64% vs VBIRX's -8.69%.
DLDFX currently has the higher Sharpe Ratio (2.97 vs 1.37), 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.
Find the right allocation for DLDFX and VBIRX
Add both to a portfolio and optimize allocations for your target — whether that's maximizing returns, minimizing drawdowns, or balancing risk across holdings.
Open Portfolio Optimizer