DGI Balanced Fund

Class P - DGIBX
Class T - DGITX
Class NT - DGINX
Class A - DGIAX
Class C - DIGCX
Class I - DGIIX
Fact Sheet
Summary Prospectus

Investment Objective and Strategy

  • The Fund’s investment objectives are to achieve long-term growth of invested capital and generate recurring income.
  • The Fund seeks to achieve these objectives by investing in a diversified portfolio of stocks and fixed income securities. While the allocation between asset classes may vary over time, the Fund generally maintains a balanced allocation, intended to provide both income and growth potential.
  • The Fund is registered with the Securities and Exchange Commission (SEC 1933 Act).

DGI Balanced Fund IRA Qualified Investment

  • Minimum opening balance $250.
  • Deduct up to $5,000 per individual or $10,000 for couples filing tax return jointly.2
  • Professional management, transparency and ongoing oversight for your peace of mind.
  • You only need one account as it allows you to make additional contributions at any time through the DGI Installment Program.

An IRA is an individual retirement account designed for anyone who receives an income to save money to use during their retirement. Furthermore, it's one of the options in the Internal Revenue Code of Puerto Rico as a tax relief mechanism when filing the income tax return.
Any person who earns income from:
  • Salary (salary, wages, tips, bonuses, commissions) earnings attributable to professions or occupations.
  • Services provided (DOES NOT INCLUDE interests, dividends, rents, royalties, alimony income, and other non-employment income).
  • The person must be under 75 years of age at the end of the taxable year to establish an IRA account. There is no age limit for contributing to a non-deductible IRA (ROTH).
You may contribute up to the deadline for filing the returns for the said taxable year, which is usually April 15th.
  • If the taxpayer files a return with an extension, he/she may contribute to an IRA account until the expiration of the extension for said taxable year.
  • You may contribute for a taxable year on the first calendar day of that year.
  • Promotes savings.
  • Deferred tax payments until retirement.
  • Funds protected from third-party claims.
  • Deductible: The contributions to the said account are deductible from the gross income, and the income generated is not taxed until the moment of distribution.
  • Nondeductible: Contributions to the said account will NOT be deductible for tax purposes. But qualified distributions, including income generated by the account, will be exempt from taxes.
  • The maximum contribution in all your accounts must not exceed $5,000 for an individual or $10,000 per married couple who file jointly.
  • In the case of Educational IRAs, you may contribute up to a maximum of $500 per child.
  • Yes, as long as it´s a transfer from a qualified account. You can make transfers between IRA accounts of different banking institutions and 401K retirement plans without requiring a minimum or maximum balance.
  • Transfers between IRA Accounts do not entail a penalty from the Treasury, but they may carry an instrument penalty and/or a penalty from the financial institution.
There are two types of penalties: the financial institution and the Treasury Department. The product type and policies determine the financial institution penalties (see below). You can withdraw your IRA without tax penalty after age 60. If you withdraw before turning 60, you are subject to a penalty of 10% of the amount withdrawn. There are exceptions. For more information, visit the Treasury Department's website.
To transfer your IRA to Oriental, we will help you choose the IRA that suits you to transfer your funds. We will complete the necessary information and then contact your current bank to complete the transaction of change for you.

Fund Facts

  • Ticker
    DGIBX
  • CUSIP
    23292A205
  • Fund Inception Date
    05/23/2021
  • Share Class
    Class P
  • Fund Cut-off Time
    4:00pm EST
  • Minimum Investment
    $250.00
  • Asset Class
    Balanced Fund

Fund Statistics

as of XX/XX/XXXX

  • NAV
    -
  • 3 Mo. Cumulative Yield (as of XX/XX/XXXX)
    -%
  • Fund Assets
    -
  • Expense Ratio1
    1.39%

1 Expenses are as of the most current prospectus. Please see the prospectus for additional information.

Net Asset Value (NAV): The Net Asset Value represents the per-share value of a fund and is calculated by subtracting the fund’s total liabilities from its total assets, then dividing the result by the number of outstanding shares. NAV is typically calculated at the end of each trading day and reflects the fair market value of the fund’s holdings.

Fund Facts

  • Ticker
    DGITX
  • CUSIP
    23292A304
  • Fund Inception Date
    05/23/2021
  • Share Class
    Class T
  • Fund Cut-off Time
    4:00pm EST
  • Minimum Investment
    $250.00
  • Asset Class
    Balanced Fund

Fund Statistics

as of XX/XX/XXXX

  • NAV
    -
  • 3 Mo. Cumulative Yield (as of XX/XX/XXXX)
    -%
  • Fund Assets
    -
  • Expense Ratio1
    1.39%

1 Expenses are as of the most current prospectus. Please see the prospectus for additional information.

Net Asset Value (NAV): The Net Asset Value represents the per-share value of a fund and is calculated by subtracting the fund’s total liabilities from its total assets, then dividing the result by the number of outstanding shares. NAV is typically calculated at the end of each trading day and reflects the fair market value of the fund’s holdings.

Fund Facts

  • Ticker
    DGINX
  • CUSIP
    23292A403
  • Fund Inception Date
    05/23/2021
  • Share Class
    Class NT
  • Fund Cut-off Time
    4:00pm EST
  • Minimum Investment
    $250.00
  • Asset Class
    Balanced Fund

Fund Statistics

as of XX/XX/XXXX

  • NAV
    -
  • 3 Mo. Cumulative Yield (as of XX/XX/XXXX)
    -%
  • Fund Assets
    -
  • Expense Ratio1
    1.39%

1 Expenses are as of the most current prospectus. Please see the prospectus for additional information.

Net Asset Value (NAV): The Net Asset Value represents the per-share value of a fund and is calculated by subtracting the fund’s total liabilities from its total assets, then dividing the result by the number of outstanding shares. NAV is typically calculated at the end of each trading day and reflects the fair market value of the fund’s holdings.

Fund Facts

  • Ticker
    DGIAX
  • CUSIP
    23292A502
  • Fund Inception Date
    05/23/2021
  • Share Class
    Class A
  • Fund Cut-off Time
    4:00pm EST
  • Minimum Investment
    $250.00
  • Asset Class
    Balanced Fund

Fund Statistics

as of XX/XX/XXXX

  • NAV
    -
  • 3 Mo. Cumulative Yield (as of XX/XX/XXXX)
    -%
  • Fund Assets
    -
  • Expense Ratio1
    1.64%

1 Expenses are as of the most current prospectus. Please see the prospectus for additional information.

Net Asset Value (NAV): The Net Asset Value represents the per-share value of a fund and is calculated by subtracting the fund’s total liabilities from its total assets, then dividing the result by the number of outstanding shares. NAV is typically calculated at the end of each trading day and reflects the fair market value of the fund’s holdings.

Fund Facts

  • Ticker
    DIGCX
  • CUSIP
    23292A601
  • Fund Inception Date
    05/23/2021
  • Share Class
    Class C
  • Fund Cut-off Time
    4:00pm EST
  • Minimum Investment
    $250.00
  • Asset Class
    Balanced Fund

Fund Statistics

as of XX/XX/XXXX

  • NAV
    -
  • 3 Mo. Cumulative Yield (as of XX/XX/XXXX)
    -%
  • Fund Assets
    -
  • Expense Ratio1
    2.39%

1 Expenses are as of the most current prospectus. Please see the prospectus for additional information.

Net Asset Value (NAV): The Net Asset Value represents the per-share value of a fund and is calculated by subtracting the fund’s total liabilities from its total assets, then dividing the result by the number of outstanding shares. NAV is typically calculated at the end of each trading day and reflects the fair market value of the fund’s holdings.

Fund Facts

  • Ticker
    DGIIX
  • CUSIP
    23292A700
  • Fund Inception Date
    05/23/2021
  • Share Class
    Class I
  • Fund Cut-off Time
    4:00pm EST
  • Minimum Investment
    $250.00
  • Asset Class
    Balanced Fund

Fund Statistics

as of XX/XX/XXXX

  • NAV
    -
  • 3 Mo. Cumulative Yield (as of XX/XX/XXXX)
    -%
  • Fund Assets
    -
  • Expense Ratio1
    1.39%

1 Expenses are as of the most current prospectus. Please see the prospectus for additional information.

Net Asset Value (NAV): The Net Asset Value represents the per-share value of a fund and is calculated by subtracting the fund’s total liabilities from its total assets, then dividing the result by the number of outstanding shares. NAV is typically calculated at the end of each trading day and reflects the fair market value of the fund’s holdings.

Documents

Additional Disclosures / Important Risk Information

This information is for general informational purposes only and does not constitute investment advice. Investors should keep in mind that investing involves risks. The value of your investment will fluctuate over time, and you may gain or lose your investment.

Investors should carefully consider the investment strategies before making any investment decisions.

(1) The DGI Balanced Fund (the "Fund") is not insured by the FDIC, is not a deposit or obligation of, or guaranteed by Oriental Bank or any of its affiliates. Investment in the Fund is subject to investment risk, including the possible loss of the principal invested. The value of your investment will fluctuate over time, and you can make or lose money. There is no guarantee that an investment strategy will achieve its objectives, generate profits or avoid losses. The Fund may also underperform the markets in general or other investments. The Fund's main risks include risk from: small companies, large-cap securities, investment companies and ETFs, mortgage-backed securities and other asset-backed securities, U.S. government and corporate debt, emerging markets, and interest rates. Before investing in the Fund, you should review and consider the Fund's Prospectus, which contains information about the Fund, its investment objectives, risks, charges and expenses. Investment in the Fund carries an annual fee of 1.39% for administration and other services. The calculation of the annual fee is based on the total average assets of the Fund. Annual fees may change. For this and more information about the Fund, please read the Prospectus in detail. The Prospectus can be obtained through https://funddocs.filepoint.com/dgi_balanced/?file=DGI-Balanced-Prospectus.pdf.

Investment in the Fund is only for individuals or entities domiciled in Puerto Rico. The tax consequences related to investments in the Fund by investors, non-resident of Puerto Rico, will be significantly different from those of other investment funds. More information regarding taxation can be found in the "Tax Information" section of the Prospectus. The tax information contained in the Prospectus is general in nature and should not be considered tax advice. You should consult with your qualified tax advisor regarding your specific situation.

The Fund is distributed by Northern Lights, LLC, a member of FINRA/SIPC. Oriental Bank is not affiliated with Northern Lights.

(2) The maximum authorized contribution for tax years 2024 and 2025, $5,000 per individual and $10,000 per married couple filing jointly.

To collaborate with the government in the fight against the financing of terrorism and money laundering activities, the federal law requires that every financial institution obtain, verify and record information that allows identifying any person who opens an account. For you this means that when you open an account, we will ask you for your name, address, date of birth and other information that will allow us to identify you. We will also request that you show us your driver’s license or other identification documents. In addition, Effective May 2018, EACH time an account is opened for a covered Legal Entity, we are required to ask you for identifying information (name, address, date of birth, social security number, % Ownership as well as identification documents) for each individual that has beneficial ownership (25% or more) and one individual that has significant managerial control of the Legal Entity. If you are opening an account on behalf of a Legal Entity, you will be required to provide the appropriate documentation (Certification of Beneficial Owner) and to certify that this information is true and accurate to the best of your knowledge.

Fund Facts

  • Ticker
    DGIBX
  • CUSIP
    23292A205
  • Fund Inception Date
    05/23/2021
  • Share Class
    Class P
  • Fund Cut-off Time
    4:00pm EST
  • Minimum Investment
    $250.00
  • Asset Class
    Balanced Fund

Fund Statistics

as of XX/XX/XXXX

  • NAV
    -
  • 3 Mo. Cumulative Yield (as of XX/XX/XXXX)
    -%
  • Fund Assets
    -
  • Expense Ratio1
    1.39%

1 Expenses are as of the most current prospectus. Please see the prospectus for additional information.

Net Asset Value (NAV): The Net Asset Value represents the per-share value of a fund and is calculated by subtracting the fund’s total liabilities from its total assets, then dividing the result by the number of outstanding shares. NAV is typically calculated at the end of each trading day and reflects the fair market value of the fund’s holdings.

Fund Facts

  • Ticker
    DGITX
  • CUSIP
    23292A304
  • Fund Inception Date
    05/23/2021
  • Share Class
    Class T
  • Fund Cut-off Time
    4:00pm EST
  • Minimum Investment
    $250.00
  • Asset Class
    Balanced Fund

Fund Statistics

as of XX/XX/XXXX

  • NAV
    -
  • 3 Mo. Cumulative Yield (as of XX/XX/XXXX)
    -%
  • Fund Assets
    -
  • Expense Ratio1
    1.39%

1 Expenses are as of the most current prospectus. Please see the prospectus for additional information.

Net Asset Value (NAV): The Net Asset Value represents the per-share value of a fund and is calculated by subtracting the fund’s total liabilities from its total assets, then dividing the result by the number of outstanding shares. NAV is typically calculated at the end of each trading day and reflects the fair market value of the fund’s holdings.

Fund Facts

  • Ticker
    DGINX
  • CUSIP
    23292A403
  • Fund Inception Date
    05/23/2021
  • Share Class
    Class NT
  • Fund Cut-off Time
    4:00pm EST
  • Minimum Investment
    $250.00
  • Asset Class
    Balanced Fund

Fund Statistics

as of XX/XX/XXXX

  • NAV
    -
  • 3 Mo. Cumulative Yield (as of XX/XX/XXXX)
    -%
  • Fund Assets
    -
  • Expense Ratio1
    1.39%

1 Expenses are as of the most current prospectus. Please see the prospectus for additional information.

Net Asset Value (NAV): The Net Asset Value represents the per-share value of a fund and is calculated by subtracting the fund’s total liabilities from its total assets, then dividing the result by the number of outstanding shares. NAV is typically calculated at the end of each trading day and reflects the fair market value of the fund’s holdings.

Fund Facts

  • Ticker
    DGIAX
  • CUSIP
    23292A502
  • Fund Inception Date
    05/23/2021
  • Share Class
    Class A
  • Fund Cut-off Time
    4:00pm EST
  • Minimum Investment
    $250.00
  • Asset Class
    Balanced Fund

Fund Statistics

as of XX/XX/XXXX

  • NAV
    -
  • 3 Mo. Cumulative Yield (as of XX/XX/XXXX)
    -%
  • Fund Assets
    -
  • Expense Ratio1
    1.64%

1 Expenses are as of the most current prospectus. Please see the prospectus for additional information.

Net Asset Value (NAV): The Net Asset Value represents the per-share value of a fund and is calculated by subtracting the fund’s total liabilities from its total assets, then dividing the result by the number of outstanding shares. NAV is typically calculated at the end of each trading day and reflects the fair market value of the fund’s holdings.

Fund Facts

  • Ticker
    DIGCX
  • CUSIP
    23292A601
  • Fund Inception Date
    05/23/2021
  • Share Class
    Class C
  • Fund Cut-off Time
    4:00pm EST
  • Minimum Investment
    $250.00
  • Asset Class
    Balanced Fund

Fund Statistics

as of XX/XX/XXXX

  • NAV
    -
  • 3 Mo. Cumulative Yield (as of XX/XX/XXXX)
    -%
  • Fund Assets
    -
  • Expense Ratio1
    2.39%

1 Expenses are as of the most current prospectus. Please see the prospectus for additional information.

Net Asset Value (NAV): The Net Asset Value represents the per-share value of a fund and is calculated by subtracting the fund’s total liabilities from its total assets, then dividing the result by the number of outstanding shares. NAV is typically calculated at the end of each trading day and reflects the fair market value of the fund’s holdings.

Fund Facts

  • Ticker
    DGIIX
  • CUSIP
    23292A700
  • Fund Inception Date
    05/23/2021
  • Share Class
    Class I
  • Fund Cut-off Time
    4:00pm EST
  • Minimum Investment
    $250.00
  • Asset Class
    Balanced Fund

Fund Statistics

as of XX/XX/XXXX

  • NAV
    -
  • 3 Mo. Cumulative Yield (as of XX/XX/XXXX)
    -%
  • Fund Assets
    -
  • Expense Ratio1
    1.39%

1 Expenses are as of the most current prospectus. Please see the prospectus for additional information.

Net Asset Value (NAV): The Net Asset Value represents the per-share value of a fund and is calculated by subtracting the fund’s total liabilities from its total assets, then dividing the result by the number of outstanding shares. NAV is typically calculated at the end of each trading day and reflects the fair market value of the fund’s holdings.

Performance

As of XX/XX/XXXX

Cumulative Returns Annualized Returns
1 Month 3 Months 6 Months YTD 1 Year 2 Years 3 Years 5 Years 10 years Since Inception Inception Date
DGIBX N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A
DGITX N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A
DGINX N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A
DGIAX N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A
DIGCX N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A
DGIIX N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A
DGI Blend-50% S&P/50% BB Agg Bond N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A

The performance data quoted represents past performance. Current performance may be lower or higher than the performance data quoted above. Past performance is no guarantee of future results. The investment return and principal value of an investment will fluctuate so that investor's shares, when redeemed, may be worth more or less than their original cost. For performance information current to the most recent month-end, please call toll-free 787-474-1993.

Fees

Class Total Expenses
DGIBX 1.39%
DGITX 1.39%
DGINX 1.39%
DGIAX 1.64%
DIGCX 2.39%
DGIIX 1.39%

Purchases of Class P shares of the Fund may be made only through qualified Puerto Rico IRAs sponsored by Oriental Trust (“Qualified IRAs”). Purchases of Class A shares may be made through Qualified IRAs. Qualified IRAs may be subject to fees related to the maintenance and operations of those accounts. The shares purchased through a Qualified IRA are not transferable and may only be disposed of by a shareholder through redemption by the Fund.

Expenses are as of the most current prospectus. Please see the prospectus for additional information.

Sales Charge

Class A Shares
Amount Invested Sales Charge
Less than $50,000 3.50%
$50,000 to $99,999 3.00%
$100,000 to $249,000 2.50%
$250,000 to $499,999 2.00%
$500,000 to $999,999 1.00%
$1,000,000 and over None

Class A shares are sold at net asset value plus an initial sales charge rounded to the nearest whole cent. Due to rounding, the actual sales charge may be more or less than the percentage shown. The maximum sales charge is 3.50% of the offering price. The sales charge varies depending on the amount of your purchase, as illustrated in the table above.

Class A shares of the Fund are also subject to the payment of an annual Rule 12b-1 shareholder services fee of 0.25% of average daily net assets.

Sector Breakdown

As of 06/30/2025

Sector Fund

Historical NAV

As of XX/XX/XXXX

The Fund’s historical mark-to-market net asset value (“NAV”) in the chart reflects the Fund’s NAV per share calculated based on current market factors before applying the amortized cost and/or penny-rounding method, rounded to the fourth decimal place. The mark-to-market NAV is shown at the Fund level. The mark-to-market NAV does not reflect the price at which an investor may transact in the Fund because the Fund uses the amortized cost method of valuation to value its securities when calculating its net asset value for the purpose of fund share transactions.

Past performance is no guarantee of future results.

10K Growth Since Inception

As of XX/XX/XXXX

Past performance is no guarantee of future results.