Columbia Diversified Fixed Income Allocation (DIAL) Performance
DIAL total return
Distributions reinvested · as of Oct 23, 2026- YTD
- −1.5% since Dec 31, 2025
- 1 year
- −1.2% total return
- 5 years
- +0.2% a year
- Since first price
- +2.1% a year since 2017
DIAL trailing returns vs AGG, TLT, SPY
| Period | DIAL total return | Price only | U.S. bonds (AGG) | 20+ yr Treasuries (TLT) | S&P 500 (SPY) |
|---|---|---|---|---|---|
| 1 month | 0.0% | −0.4% | +0.9% | +1.5% | −1.0% |
| 3 months | −1.4% | −2.6% | −0.4% | −1.0% | +3.2% |
| 6 months | −2.2% | −4.8% | −1.5% | −3.8% | +7.8% |
| YTD | −1.5% | −5.2% | −1.0% | −3.4% | +12.3% |
| 1 year | −1.2% | −6.1% | −1.1% | −6.9% | +14.4% |
| 3 years | +22.0%+6.8%/yr | +5.6% | +16.6%+5.2%/yr | +9.7%+3.1%/yr | +87.4%+23.3%/yr |
| 5 years | +1.1%+0.2%/yr | −18.2% | −0.8%−0.2%/yr | −32.5%−7.6%/yr | +79.3%+12.4%/yr |
| Since inceptionOct 12, 2017 | +20.9%+2.1%/yr | −13.3% | — | — | — |
Total return from adjusted closes (distributions reinvested, before tax). Periods of 3 years or more are also shown annualized. Price only excludes distributions.
Growth of $10,000: DIAL vs AGG
From Oct 12, 2017: DIAL grew to $12,091, AGG to $11,353.
Year-end values with distributions reinvested, no taxes or trading costs. Start: first common trading day of both funds.
DIAL returns by calendar year
5 of 8 full years positive. Best 2019 (+14.1%), worst 2022 (−16.1%). 2026 is year to date.
DIAL annual returns table
| Year | DIAL | Largest drop | AGG | TLT | SPY |
|---|---|---|---|---|---|
| 2026YTD | −1.5% | −4.7% | −1.0% | −3.4% | +12.3% |
| 2025 | +9.9% | −2.5% | +7.2% | +4.3% | +17.7% |
| 2024 | +1.7% | −4.4% | +1.3% | −8.1% | +24.9% |
| 2023 | +8.5% | −7.9% | +5.7% | +2.8% | +26.2% |
| 2022 | −16.1% | −20.6% | −13.0% | −31.2% | −18.2% |
| 2021 | −1.1% | −4.1% | −1.8% | −4.6% | +28.7% |
| 2020 | +9.1% | −19.1% | +7.5% | +18.2% | +18.3% |
| 2019 | +14.1% | −1.2% | +8.5% | +14.1% | +31.2% |
| 2018 | −2.0% | −3.8% | +0.1% | −1.6% | −4.6% |
Largest drop = deepest fall from a high within that calendar year.
Calendar-year return vs largest drop within the year
Most years include a sizable fall at some point even when the year ends higher.
DIAL largest drawdowns
Now 3.2% below the high| Peak | Decline | Bottom | Recovered | Fall | Underwater |
|---|---|---|---|---|---|
| Dec 31, 2020 | −22.2% | Oct 20, 2022 | Oct 16, 2025 | 1.8 years | 4.8 years |
| Mar 6, 2020 | −19.1% | Mar 20, 2020 | Jun 10, 2020 | 14 days | 3 months |
Declines from a closing high (distributions reinvested) of 5% or more. Underwater = time from the peak until the old high was regained.
DIAL risk statistics
| Statistic | 3 years | 5 years | Since 2017 |
|---|---|---|---|
| Annualized return | +5.7% | −0.1% | +2.0% |
| Volatility (annualized) | 6.6% | 8.7% | 7.5% |
| Sharpe ratio | 0.21 | -0.39 | -0.02 |
| Sortino ratio | 0.31 | -0.50 | -0.03 |
| Best month | +5.4% | +5.6% | +5.6% |
| Worst month | −3.6% | −5.8% | −6.5% |
| Best 12 months | +14.8% | +14.8% | +15.0% |
| Worst 12 months | −1.9% | −19.5% | −19.5% |
| Positive months | 67% | 57% | 62% |
| Beta vs S&P 500 | 0.32 | 0.42 | — |
| Correlation with S&P 500 | 0.61 | 0.76 | — |
From monthly total returns. Sharpe and Sortino use 1–3 month T-bills (BIL) as the risk-free rate, so they need history from 2007 on.
DIAL rolling returns
| Holding period | Periods | Worst | Median | Best | Positive |
|---|---|---|---|---|---|
| 1-year | 97 | −19.5% | +4.7% | +15.0% | 75% |
| 3-year (a year) | 73 | −5.4% | +2.1% | +7.9% | 55% |
| 5-year (a year) | 49 | −0.5% | +0.6% | +2.3% | 90% |
Every holding period starting at a month-end since 2017. Returns for 3 years and longer are annualized.
DIAL performance overview
Columbia Diversified Fixed Income Allocation (DIAL) returned −1.2% over the past year and +0.2% a year over five years, with distributions reinvested. Since its first recorded price in 2017 it has returned +2.1% a year, turning $10,000 into about $12,091. Over the same year U.S. bonds (AGG) returned −1.1%.
The deepest decline was −22.2%, from Dec 31, 2020 to Oct 20, 2022, and it took 3.0 years to get back to the old high. DIAL finished 5 of its 8 full calendar years with a gain; the best year was 2019 (+14.1%) and the worst 2022 (−16.1%). Volatility has been 7.5% a year.
Related: DIAL chart, DIAL dividends, DIAL bond profile. See the DIAL overview for the latest quote and fund facts.
DIAL performance FAQ
What is the DIAL return over the past year?
DIAL returned −1.2% over the 12 months to October 23, 2026, including reinvested distributions. On price alone it fell 6.1%.
What is the average annual return of DIAL?
DIAL has returned +0.2% a year over 5 years, +2.1% a year since October 12, 2017 (total return, distributions reinvested).
How much would $10,000 invested in DIAL be worth?
$10,000 invested in DIAL at its first recorded close on October 12, 2017 would be worth about $12,091 on October 23, 2026 with distributions reinvested.
What was the worst year for DIAL?
The worst calendar year was 2022, with a total return of −16.1%. The best was 2019 at +14.1%.
What is the biggest drawdown of DIAL?
The largest peak-to-trough decline was −22.2% between December 31, 2020 and October 20, 2022. It recovered to the old high on October 16, 2025, 3.0 years after the bottom.
How volatile is DIAL?
Over the past 3 years DIAL had an annualized volatility of 6.6% and a Sharpe ratio of 0.21 (excess return over 1–3 month T-bills per unit of risk).