GDIIX vs. HDCTX

Last updated Jun 24, 2026

GDIIX (Genter Dividend Income Fund) and HDCTX (Rational Equity Armor Fund) are both Large Cap Value Equities funds. Over the past 10 years, GDIIX returned 11.68%/yr vs 5.43%/yr for HDCTX. A 0.78 correlation means they provide meaningful diversification when combined. GDIIX charges 1.25%/yr vs 1.17%/yr for HDCTX.

Performance

GDIIX vs. HDCTX - Performance Comparison

The chart below illustrates the hypothetical performance of a $10,000 investment in Genter Dividend Income Fund (GDIIX) and Rational Equity Armor Fund (HDCTX). The values are adjusted to include any dividend payments, if applicable.

Returns By Period

In the year-to-date period, GDIIX achieves a 11.03% return, which is significantly higher than HDCTX's 9.50% return. Over the past 10 years, GDIIX has outperformed HDCTX with an annualized return of 11.68%, while HDCTX has yielded a comparatively lower 5.43% annualized return.

GDIIX

• 1D: 0.96%
• 1M: -1.65%
• YTD: 11.03%
• 6M: 10.50%
• 1Y: 22.22%
• 3Y*: 17.68%
• 5Y*: 10.90%
• 10Y*: 11.68%

HDCTX

• 1D: -0.25%
• 1M: -0.34%
• YTD: 9.50%
• 6M: 8.19%
• 1Y: 19.35%
• 3Y*: 14.81%
• 5Y*: 7.32%
• 10Y*: 5.43%

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

GDIIX vs. HDCTX - Yearly Performance Comparison

	2026 (YTD)	2025	2024	2023	2022	2021	2020	2019	2018	2017
GDIIX Genter Dividend Income Fund	11.03%	16.34%	16.24%	5.64%	-1.16%	24.81%	-0.78%	27.62%	-8.45%	18.33%
HDCTX Rational Equity Armor Fund	9.50%	12.64%	16.85%	2.95%	-10.68%	14.52%	15.85%	11.32%	-11.94%	-1.99%

Correlation

The correlation between GDIIX and HDCTX is 0.34, which is low. Their price movements are largely independent, making them effective diversification partners.

	Correlation
Correlation (1Y) Calculated over the trailing 1-year period	0.34
Correlation (3Y) Calculated over the trailing 3-year period	0.46
Correlation (5Y) Calculated over the trailing 5-year period	0.62
Correlation (10Y) Calculated over the trailing 10-year period	0.67
Correlation (All Time) Calculated using the full available price history since Jan 2, 2009	0.78

Over the past year, the correlation between GDIIX and HDCTX has dropped to 0.34 - well below their long-term average of 0.78, suggesting their price drivers have been diverging.

Return for Risk

GDIIX vs. HDCTX — Risk / Return Rank

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

GDIIX

GDIIX Risk / Return Rank: 71
GDIIX Sharpe Ratio Rank: 69
GDIIX Sortino Ratio Rank: 72
GDIIX Omega Ratio Rank: 58
GDIIX Calmar Ratio Rank: 83
GDIIX Martin Ratio Rank: 71

HDCTX

HDCTX Risk / Return Rank: 56
HDCTX Sharpe Ratio Rank: 61
HDCTX Sortino Ratio Rank: 65
HDCTX Omega Ratio Rank: 56
HDCTX Calmar Ratio Rank: 63
HDCTX Martin Ratio Rank: 36

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.

GDIIX vs. HDCTX - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for Genter Dividend Income Fund (GDIIX) and Rational Equity Armor Fund (HDCTX). 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.

	GDIIX	HDCTX	Difference
Sharpe ratio: Return per unit of total volatility	2.23	2.13	+0.10
Sortino ratio: Return per unit of downside risk	3.23	3.07	+0.16
Omega ratio: Gain probability vs. loss probability	1.39	1.38	+0.01
Calmar ratio: Return relative to maximum drawdown	3.64	2.94	+0.71
Martin ratio: Return relative to average drawdown	12.77	7.62	+5.15

GDIIX vs. HDCTX - Sharpe Ratio Comparison

The current GDIIX Sharpe Ratio is 2.23, which is comparable to the HDCTX Sharpe Ratio of 2.13. The chart below compares the historical Sharpe Ratios of GDIIX and HDCTX, 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

GDIIX vs. HDCTX - Drawdown Comparison

The maximum GDIIX drawdown since its inception was -37.24%, smaller than the maximum HDCTX drawdown of -59.05%. Use the drawdown chart below to compare losses from any high point for GDIIX and HDCTX.

Drawdown Indicators

	GDIIX	HDCTX	Difference
Max Drawdown Largest peak-to-trough decline	-37.24%	-59.05%	+21.81%
Max Drawdown (1Y) Largest decline over 1 year	-6.41%	-6.95%	+0.54%
Max Drawdown (3Y) Largest decline over 3 years	-13.50%	-11.74%	-1.76%
Max Drawdown (5Y) Largest decline over 5 years	-17.88%	-18.22%	+0.34%
Max Drawdown (10Y) Largest decline over 10 years	-37.24%	-19.43%	-17.81%
Current Drawdown Current decline from peak	-1.94%	-2.40%	+0.46%
Average Drawdown Average peak-to-trough decline	-4.03%	-6.40%	+2.37%
Ulcer Index Depth and duration of drawdowns from previous peaks	1.82%	2.67%	-0.85%

Volatility

GDIIX vs. HDCTX - Volatility Comparison

Genter Dividend Income Fund (GDIIX) has a higher volatility of 3.60% compared to Rational Equity Armor Fund (HDCTX) at 2.72%. This indicates that GDIIX's price experiences larger fluctuations and is considered to be riskier than HDCTX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.

Volatility by Period

	GDIIX	HDCTX	Difference
Volatility (1M) Calculated over the trailing 1-month period	3.60%	2.72%	+0.88%
Volatility (6M) Calculated over the trailing 6-month period	7.69%	7.08%	+0.61%
Volatility (1Y) Calculated over the trailing 1-year period	10.49%	9.62%	+0.87%
Volatility (5Y) Calculated over the trailing 5-year period, annualized	13.73%	10.66%	+3.07%
Volatility (10Y) Calculated over the trailing 10-year period, annualized	16.57%	11.55%	+5.02%

GDIIX vs. HDCTX - Expense Ratio Comparison

GDIIX has a 1.25% expense ratio, which is higher than HDCTX's 1.17% expense ratio.

Dividends

GDIIX vs. HDCTX - Dividend Comparison

GDIIX's dividend yield for the trailing twelve months is around 4.24%, more than HDCTX's 0.19% yield.

Position	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
GDIIX Genter Dividend Income Fund	4.24%	4.79%	9.73%	2.66%	5.24%	4.07%	2.27%	8.01%	13.52%	10.01%	4.47%	1.89%
HDCTX Rational Equity Armor Fund	0.19%	0.00%	0.00%	0.17%	0.78%	1.21%	1.10%	5.37%	7.86%	5.60%	3.28%	15.32%

Frequently Asked Questions

Can I hold both GDIIX and HDCTX in my portfolio?

GDIIX and HDCTX have a correlation of 0.34, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.

Which is riskier, GDIIX or HDCTX?

GDIIX has higher volatility (3.60%) compared to HDCTX (2.72%). In terms of maximum drawdown, GDIIX dropped -37.24% vs HDCTX's -59.05%.

Which has better risk-adjusted returns?

GDIIX currently has the higher Sharpe Ratio (2.23 vs 2.13), 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.