EPDPX vs. DCINX

Last updated Jun 24, 2026

EPDPX (EuroPac International Dividend Income Fund Class A) and DCINX (Dunham International Stock Fund) are both Foreign Large Cap Equities funds. Over the past 10 years, EPDPX returned 9.81%/yr vs 13.40%/yr for DCINX. A 0.74 correlation means they provide meaningful diversification when combined. EPDPX charges 1.52%/yr vs 2.92%/yr for DCINX.

Performance

EPDPX vs. DCINX - Performance Comparison

The chart below illustrates the hypothetical performance of a $10,000 investment in EuroPac International Dividend Income Fund Class A (EPDPX) and Dunham International Stock Fund (DCINX). The values are adjusted to include any dividend payments, if applicable.

Returns By Period

In the year-to-date period, EPDPX achieves a 7.93% return, which is significantly lower than DCINX's 27.12% return. Over the past 10 years, EPDPX has underperformed DCINX with an annualized return of 9.81%, while DCINX has yielded a comparatively higher 13.40% annualized return.

EPDPX

• 1D: -0.47%
• 1M: -3.84%
• YTD: 7.93%
• 6M: 7.23%
• 1Y: 35.78%
• 3Y*: 22.38%
• 5Y*: 13.62%
• 10Y*: 9.81%

DCINX

• 1D: 0.65%
• 1M: 4.80%
• YTD: 27.12%
• 6M: 27.16%
• 1Y: 53.29%
• 3Y*: 29.54%
• 5Y*: 14.60%
• 10Y*: 13.40%

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

EPDPX vs. DCINX - Yearly Performance Comparison

	2026 (YTD)	2025	2024	2023	2022	2021	2020	2019	2018	2017
EPDPX EuroPac International Dividend Income Fund Class A	7.93%	61.93%	0.72%	7.46%	1.27%	7.78%	8.83%	13.05%	-11.02%	15.53%
DCINX Dunham International Stock Fund	27.12%	46.37%	7.65%	15.98%	-14.67%	9.70%	19.86%	18.14%	-14.27%	24.40%

Correlation

The correlation between EPDPX and DCINX is 0.71, which is moderate. They share some common price drivers but move independently often enough to provide real diversification benefit when combined.

	Correlation
Correlation (1Y) Calculated over the trailing 1-year period	0.71
Correlation (3Y) Calculated over the trailing 3-year period	0.71
Correlation (5Y) Calculated over the trailing 5-year period	0.74
Correlation (10Y) Calculated over the trailing 10-year period	0.74
Correlation (All Time) Calculated using the full available price history since Jan 13, 2014	0.75

The correlation between EPDPX and DCINX has been stable across timeframes, ranging from 0.71 to 0.74 - a consistent structural relationship.

Return for Risk

EPDPX vs. DCINX — Risk / Return Rank

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

EPDPX

EPDPX Risk / Return Rank: 74
EPDPX Sharpe Ratio Rank: 83
EPDPX Sortino Ratio Rank: 71
EPDPX Omega Ratio Rank: 76
EPDPX Calmar Ratio Rank: 78
EPDPX Martin Ratio Rank: 60

DCINX

DCINX Risk / Return Rank: 92
DCINX Sharpe Ratio Rank: 96
DCINX Sortino Ratio Rank: 89
DCINX Omega Ratio Rank: 88
DCINX Calmar Ratio Rank: 92
DCINX Martin Ratio Rank: 93

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.

EPDPX vs. DCINX - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for EuroPac International Dividend Income Fund Class A (EPDPX) and Dunham International Stock Fund (DCINX). 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.

	EPDPX	DCINX	Difference
Sharpe ratio: Return per unit of total volatility	2.51	3.22	-0.70
Sortino ratio: Return per unit of downside risk	3.20	4.04	-0.84
Omega ratio: Gain probability vs. loss probability	1.45	1.58	-0.13
Calmar ratio: Return relative to maximum drawdown	3.32	4.58	-1.26
Martin ratio: Return relative to average drawdown	11.28	17.98	-6.70

EPDPX vs. DCINX - Sharpe Ratio Comparison

The current EPDPX Sharpe Ratio is 2.51, which is comparable to the DCINX Sharpe Ratio of 3.22. The chart below compares the historical Sharpe Ratios of EPDPX and DCINX, 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

EPDPX vs. DCINX - Drawdown Comparison

The maximum EPDPX drawdown since its inception was -39.21%, smaller than the maximum DCINX drawdown of -61.79%. Use the drawdown chart below to compare losses from any high point for EPDPX and DCINX.

Drawdown Indicators

	EPDPX	DCINX	Difference
Max Drawdown Largest peak-to-trough decline	-39.21%	-61.79%	+22.58%
Max Drawdown (1Y) Largest decline over 1 year	-10.96%	-11.91%	+0.95%
Max Drawdown (3Y) Largest decline over 3 years	-13.15%	-13.74%	+0.59%
Max Drawdown (5Y) Largest decline over 5 years	-21.06%	-31.18%	+10.12%
Max Drawdown (10Y) Largest decline over 10 years	-33.34%	-37.28%	+3.94%
Current Drawdown Current decline from peak	-7.66%	0.00%	-7.66%
Average Drawdown Average peak-to-trough decline	-11.17%	-12.82%	+1.65%
Ulcer Index Depth and duration of drawdowns from previous peaks	3.22%	3.03%	+0.19%

Volatility

EPDPX vs. DCINX - Volatility Comparison

The current volatility for EuroPac International Dividend Income Fund Class A (EPDPX) is 5.11%, while Dunham International Stock Fund (DCINX) has a volatility of 7.12%. This indicates that EPDPX experiences smaller price fluctuations and is considered to be less risky than DCINX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.

Volatility by Period

	EPDPX	DCINX	Difference
Volatility (1M) Calculated over the trailing 1-month period	5.11%	7.12%	-2.01%
Volatility (6M) Calculated over the trailing 6-month period	12.40%	14.82%	-2.42%
Volatility (1Y) Calculated over the trailing 1-year period	14.51%	17.01%	-2.50%
Volatility (5Y) Calculated over the trailing 5-year period, annualized	14.14%	15.63%	-1.49%
Volatility (10Y) Calculated over the trailing 10-year period, annualized	14.92%	16.58%	-1.66%

EPDPX vs. DCINX - Expense Ratio Comparison

EPDPX has a 1.52% expense ratio, which is lower than DCINX's 2.92% expense ratio.

Dividends

EPDPX vs. DCINX - Dividend Comparison

EPDPX's dividend yield for the trailing twelve months is around 6.21%, less than DCINX's 8.61% yield.

Position	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
DCINX Dunham International Stock Fund	8.61%	10.95%	13.87%	3.45%	3.53%	15.49%	1.36%	1.54%	6.92%	3.92%	0.00%	0.00%
EPDPX EuroPac International Dividend Income Fund Class A	6.21%	6.55%	3.82%	3.08%	2.56%	2.07%	1.70%	2.43%	2.66%	2.69%	2.24%	3.58%

Frequently Asked Questions

Can I hold both EPDPX and DCINX in my portfolio?

EPDPX and DCINX have a correlation of 0.71, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.

Which is riskier, EPDPX or DCINX?

DCINX has higher volatility (7.12%) compared to EPDPX (5.11%). In terms of maximum drawdown, EPDPX dropped -39.21% vs DCINX's -61.79%.

Which has better risk-adjusted returns?

DCINX currently has the higher Sharpe Ratio (3.22 vs 2.51), 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.