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<!-- Generated by DFIN XBRL Schema Document - http://www.dfinsolutions.com/ - on 27-08-2026 10:57:09 AM -->
<!-- Copyright(c) 2026 Donnelley Financial Solutions, Inc. All Rights Reserved. -->
<schema targetNamespace="http://www.davisfunds.com/20260826" xmlns="http://www.w3.org/2001/XMLSchema" xmlns:dsi="http://www.davisfunds.com/20260826" xmlns:dei="http://xbrl.sec.gov/dei/2025" xmlns:srt-types="http://fasb.org/srt-types/2025" xmlns:deprecated="http://www.xbrl.org/2009/role/deprecated" xmlns:dtr="http://www.xbrl.org/2009/dtr" xmlns:oef="http://xbrl.sec.gov/oef/2025" xmlns:ref="http://www.xbrl.org/2006/ref" xmlns:xbrldt="http://xbrl.org/2005/xbrldt" xmlns:xl="http://www.xbrl.org/2003/XLink" xmlns:us-gaap="http://fasb.org/us-gaap/2025" xmlns:oef-pre="http://xbrl.sec.gov/oef-pre/2025" xmlns:oef-lab="http://xbrl.sec.gov/oef-lab/2025" xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:country="http://xbrl.sec.gov/country/2025" xmlns:us-roles="http://fasb.org/us-roles/2025" xmlns:enum2="http://xbrl.org/2020/extensible-enumerations-2.0" xmlns:us-types="http://fasb.org/us-types/2025" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:dtr-types="http://www.xbrl.org/dtr/type/2024-01-31" xmlns:oef-def="http://xbrl.sec.gov/oef-def/2025" xmlns:negated="http://www.xbrl.org/2009/role/negated" xmlns:xbrldi="http://xbrl.org/2006/xbrldi" xmlns:srt="http://fasb.org/srt/2025" xmlns:oef-sr="http://xbrl.sec.gov/oef-sr/2025" xmlns:srt-roles="http://fasb.org/srt-roles/2025" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xbrli="http://www.xbrl.org/2003/instance" xmlns:stpr="http://xbrl.sec.gov/stpr/2025" elementFormDefault="qualified">
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	<import namespace="http://www.xbrl.org/2003/linkbase" schemaLocation="http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd"/>
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	<import namespace="http://fasb.org/us-types/2025" schemaLocation="https://xbrl.fasb.org/us-gaap/2025/elts/us-types-2025.xsd"/>
	<import namespace="http://www.xbrl.org/dtr/type/2024-01-31" schemaLocation="https://www.xbrl.org/dtr/type/2024-01-31/types.xsd"/>   
	<import namespace="http://xbrl.sec.gov/country/2025" schemaLocation="https://xbrl.sec.gov/country/2025/country-2025.xsd"/>
	<import namespace="http://fasb.org/srt/2025" schemaLocation="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd"/>
	<import namespace="http://fasb.org/srt-types/2025" schemaLocation="https://xbrl.fasb.org/srt/2025/elts/srt-types-2025.xsd"/>
	<import namespace="http://xbrl.sec.gov/oef-sr/2025" schemaLocation="https://xbrl.sec.gov/oef/2025/oef-sr-2025.xsd"/>
	<import namespace="http://fasb.org/us-gaap/2025" schemaLocation="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd"/>
	<import namespace="http://fasb.org/us-roles/2025" schemaLocation="https://xbrl.fasb.org/us-gaap/2025/elts/us-roles-2025.xsd"/>
	<import namespace="http://fasb.org/srt-roles/2025" schemaLocation="https://xbrl.fasb.org/srt/2025/elts/srt-roles-2025.xsd"/>
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				<link:roleRef roleURI="http://xbrl.sec.gov/oef/role/ShareholderReport" xlink:type="simple" xlink:href="https://xbrl.sec.gov/oef/2025/oef-2025.xsd#ShareholderReport"/>
				<link:roleRef roleURI="http://xbrl.sec.gov/oef/role/ShareholderReportHoldingsDetails" xlink:type="simple" xlink:href="https://xbrl.sec.gov/oef/2025/oef-2025.xsd#ShareholderReportHoldingsDetails"/>
				<link:roleRef roleURI="http://xbrl.sec.gov/oef/role/ShareholderReportLineGraphDetails" xlink:type="simple" xlink:href="https://xbrl.sec.gov/oef/2025/oef-2025.xsd#ShareholderReportLineGraphDetails"/>
				<link:roleRef roleURI="http://xbrl.sec.gov/oef/role/ShareholderReportAverageAnnualReturnDetails" xlink:type="simple" xlink:href="https://xbrl.sec.gov/oef/2025/oef-2025.xsd#ShareholderReportAverageAnnualReturnDetails"/>
				<link:roleRef roleURI="http://xbrl.sec.gov/oef/role/ClassOnly" xlink:type="simple" xlink:href="https://xbrl.sec.gov/oef/2025/oef-2025.xsd#ClassOnly"/>
				<link:roleRef roleURI="http://fasb.org/us-gaap/role/eedm/ExtensibleEnumerationLists" xlink:type="simple" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-roles-2025.xsd#eedm"/>
				<link:roleRef roleURI="http://xbrl.sec.gov/oef/role/LargestHoldingOnly" xlink:type="simple" xlink:href="https://xbrl.sec.gov/oef/2025/oef-2025.xsd#LargestHoldingOnly"/>
				<link:roleRef roleURI="http://xbrl.sec.gov/oef/role/Other1CategoryOnly" xlink:type="simple" xlink:href="https://xbrl.sec.gov/oef/2025/oef-2025.xsd#Other1CategoryOnly"/>
				<link:roleRef roleURI="http://xbrl.sec.gov/oef/role/AdditionalIndexOnly" xlink:type="simple" xlink:href="https://xbrl.sec.gov/oef/2025/oef-2025.xsd#AdditionalIndexOnly"/>
				<link:roleRef roleURI="http://xbrl.sec.gov/oef/role/BroadBasedIndexOnly" xlink:type="simple" xlink:href="https://xbrl.sec.gov/oef/2025/oef-2025.xsd#BroadBasedIndexOnly"/>
				<link:roleRef roleURI="http://xbrl.sec.gov/oef/role/Other2CategoryOnly" xlink:type="simple" xlink:href="https://xbrl.sec.gov/oef/2025/oef-2025.xsd#Other2CategoryOnly"/>
				<link:roleRef roleURI="http://xbrl.sec.gov/oef/role/SalesLoadOnly" xlink:type="simple" xlink:href="https://xbrl.sec.gov/oef/2025/oef-2025.xsd#SalesLoadOnly"/>
				<link:roleRef roleURI="http://xbrl.sec.gov/oef/role/MaturityOnly" xlink:type="simple" xlink:href="https://xbrl.sec.gov/oef/2025/oef-2025.xsd#MaturityOnly"/>
				<link:roleRef roleURI="http://xbrl.sec.gov/oef/role/IndustrySectorOnly" xlink:type="simple" xlink:href="https://xbrl.sec.gov/oef/2025/oef-2025.xsd#IndustrySectorOnly"/>
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					<link:definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="IndustrySectorDomain" xlink:to="ResidentialREITsMember" order="5.0"/>
					<link:loc xlink:type="locator" xlink:href="#dsi_IndustrialREITsMember" xlink:label="IndustrialREITsMember"/>
					<link:definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="IndustrySectorDomain" xlink:to="IndustrialREITsMember" order="6.0"/>
					<link:loc xlink:type="locator" xlink:href="#dsi_HealthCareREITsMember" xlink:label="HealthCareREITsMember"/>
					<link:definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="IndustrySectorDomain" xlink:to="HealthCareREITsMember" order="7.0"/>
				</link:definitionLink>
				<link:definitionLink xlink:type="extended" xlink:role="http://xbrl.sec.gov/oef/role/CreditQualityOnly">
					<link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/oef/2025/oef-2025.xsd#oef_CreditQualityDomain" xlink:label="CreditQualityDomain"/>
				</link:definitionLink>
				<!--GeographicRegionOnly use only for STPR-->
				<link:definitionLink xlink:type="extended" xlink:role="http://xbrl.sec.gov/oef/role/GeographicRegionOnly">
					<link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/oef/2025/oef-2025.xsd#oef_GeographicRegionDomain" xlink:label="GeographicRegionDomain"/>
				</link:definitionLink>
				<link:labelLink xlink:type="extended" xlink:role="http://www.xbrl.org/2003/role/link">               
					<link:loc xlink:type="locator" xlink:href="#dsi_SAndP1500IndexMember" xlink:label="SAndP1500IndexMember"/>
					<link:label xlink:type="resource" xlink:label="label_SAndP1500IndexMember" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US">S And P 1500 Index [Member]</link:label>
					<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="SAndP1500IndexMember" xlink:to="label_SAndP1500IndexMember"/>
					<link:loc xlink:type="locator" xlink:href="#dsi_C000009530Member" xlink:label="C000009530Member"/>
					<link:label xlink:type="resource" xlink:label="label_C000009530Member" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US">C000009530 [Member]</link:label>
					<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="C000009530Member" xlink:to="label_C000009530Member"/>
										<link:label xlink:type="resource" xlink:label="label_C000009530Member_2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xml:lang="en-US">Class Y</link:label>
					<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="C000009530Member" xlink:to="label_C000009530Member_2"/>
					<link:loc xlink:type="locator" xlink:href="#dsi_C000009529Member" xlink:label="C000009529Member"/>
					<link:label xlink:type="resource" xlink:label="label_C000009529Member" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US">C000009529 [Member]</link:label>
					<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="C000009529Member" xlink:to="label_C000009529Member"/>
										<link:label xlink:type="resource" xlink:label="label_C000009529Member_2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xml:lang="en-US">Class C</link:label>
					<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="C000009529Member" xlink:to="label_C000009529Member_2"/>
					<link:loc xlink:type="locator" xlink:href="#dsi_C000009527Member" xlink:label="C000009527Member"/>
					<link:label xlink:type="resource" xlink:label="label_C000009527Member" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US">C000009527 [Member]</link:label>
					<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="C000009527Member" xlink:to="label_C000009527Member"/>
										<link:label xlink:type="resource" xlink:label="label_C000009527Member_2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xml:lang="en-US">Class A</link:label>
					<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="C000009527Member" xlink:to="label_C000009527Member_2"/>
					<link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_HealthcareSectorMember" xlink:label="HealthcareSectorMember"/>
					<link:label xlink:type="resource" xlink:label="label_HealthcareSectorMember" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US">Healthcare Sector [Member]</link:label>
					<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="HealthcareSectorMember" xlink:to="label_HealthcareSectorMember"/>
					<link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancialServicesSectorMember" xlink:label="FinancialServicesSectorMember"/>
					<link:label xlink:type="resource" xlink:label="label_FinancialServicesSectorMember" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US">Financial Services Sector [Member]</link:label>
					<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="FinancialServicesSectorMember" xlink:to="label_FinancialServicesSectorMember"/>
					<link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CollateralizedMortgageObligationsMember" xlink:label="CollateralizedMortgageObligationsMember"/>
					<link:label xlink:type="resource" xlink:label="label_CollateralizedMortgageObligationsMember" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US">Collateralized Mortgage Obligations [Member]</link:label>
					<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="CollateralizedMortgageObligationsMember" xlink:to="label_CollateralizedMortgageObligationsMember"/>
					<link:loc xlink:type="locator" xlink:href="#dsi_C000009531Member" xlink:label="C000009531Member"/>
					<link:label xlink:type="resource" xlink:label="label_C000009531Member" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US">C000009531 [Member]</link:label>
					<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="C000009531Member" xlink:to="label_C000009531Member"/>
					<link:loc xlink:type="locator" xlink:href="#dsi_C000009533Member" xlink:label="C000009533Member"/>
					<link:label xlink:type="resource" xlink:label="label_C000009533Member" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US">C000009533 [Member]</link:label>
					<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="C000009533Member" xlink:to="label_C000009533Member"/>
					<link:loc xlink:type="locator" xlink:href="#dsi_C000009534Member" xlink:label="C000009534Member"/>
					<link:label xlink:type="resource" xlink:label="label_C000009534Member" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US">C000009534 [Member]</link:label>
					<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="C000009534Member" xlink:to="label_C000009534Member"/>
					<link:loc xlink:type="locator" xlink:href="#dsi_BloombergUSAggregateBondIndexMember" xlink:label="BloombergUSAggregateBondIndexMember"/>
					<link:label xlink:type="resource" xlink:label="label_BloombergUSAggregateBondIndexMember" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US">Bloomberg U S Aggregate Bond Index [Member]</link:label>
					<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="BloombergUSAggregateBondIndexMember" xlink:to="label_BloombergUSAggregateBondIndexMember"/>
					<link:loc xlink:type="locator" xlink:href="#dsi_BloombergUSGovernment13YearBondIndexMember" xlink:label="BloombergUSGovernment13YearBondIndexMember"/>
					<link:label xlink:type="resource" xlink:label="label_BloombergUSGovernment13YearBondIndexMember" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US">Bloomberg U S Government 1 3 Year Bond Index [Member]</link:label>
					<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="BloombergUSGovernment13YearBondIndexMember" xlink:to="label_BloombergUSGovernment13YearBondIndexMember"/>
					<link:loc xlink:type="locator" xlink:href="#dsi_SmallBusinessAdministrationMember" xlink:label="SmallBusinessAdministrationMember"/>
					<link:label xlink:type="resource" xlink:label="label_SmallBusinessAdministrationMember" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US">Small Business Administration [Member]</link:label>
					<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="SmallBusinessAdministrationMember" xlink:to="label_SmallBusinessAdministrationMember"/>
					<link:loc xlink:type="locator" xlink:href="#dsi_FannieMaePoolsMember" xlink:label="FannieMaePoolsMember"/>
					<link:label xlink:type="resource" xlink:label="label_FannieMaePoolsMember" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US">Fannie Mae Pools [Member]</link:label>
					<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="FannieMaePoolsMember" xlink:to="label_FannieMaePoolsMember"/>
					<link:loc xlink:type="locator" xlink:href="#dsi_GinnieMaePoolsMember" xlink:label="GinnieMaePoolsMember"/>
					<link:label xlink:type="resource" xlink:label="label_GinnieMaePoolsMember" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US">Ginnie Mae Pools [Member]</link:label>
					<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="GinnieMaePoolsMember" xlink:to="label_GinnieMaePoolsMember"/>
					<link:loc xlink:type="locator" xlink:href="#dsi_FreddieMacPoolsMember" xlink:label="FreddieMacPoolsMember"/>
					<link:label xlink:type="resource" xlink:label="label_FreddieMacPoolsMember" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US">Freddie Mac Pools [Member]</link:label>
					<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="FreddieMacPoolsMember" xlink:to="label_FreddieMacPoolsMember"/>
					<link:loc xlink:type="locator" xlink:href="#dsi_FannieMaeMember" xlink:label="FannieMaeMember"/>
					<link:label xlink:type="resource" xlink:label="label_FannieMaeMember" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US">Fannie Mae [Member]</link:label>
					<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="FannieMaeMember" xlink:to="label_FannieMaeMember"/>
					<link:loc xlink:type="locator" xlink:href="#dsi_FederalFarmCreditBankMember" xlink:label="FederalFarmCreditBankMember"/>
					<link:label xlink:type="resource" xlink:label="label_FederalFarmCreditBankMember" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US">Federal Farm Credit Bank [Member]</link:label>
					<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="FederalFarmCreditBankMember" xlink:to="label_FederalFarmCreditBankMember"/>
					<link:loc xlink:type="locator" xlink:href="#dsi_FederalHomeLoanBankMember" xlink:label="FederalHomeLoanBankMember"/>
					<link:label xlink:type="resource" xlink:label="label_FederalHomeLoanBankMember" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US">Federal Home Loan Bank [Member]</link:label>
					<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="FederalHomeLoanBankMember" xlink:to="label_FederalHomeLoanBankMember"/>
					<link:loc xlink:type="locator" xlink:href="#dsi_C000009537Member" xlink:label="C000009537Member"/>
					<link:label xlink:type="resource" xlink:label="label_C000009537Member" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US">C000009537 [Member]</link:label>
					<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="C000009537Member" xlink:to="label_C000009537Member"/>
					<link:loc xlink:type="locator" xlink:href="#dsi_C000009536Member" xlink:label="C000009536Member"/>
					<link:label xlink:type="resource" xlink:label="label_C000009536Member" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US">C000009536 [Member]</link:label>
					<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="C000009536Member" xlink:to="label_C000009536Member"/>
					<link:loc xlink:type="locator" xlink:href="#dsi_C000009538Member" xlink:label="C000009538Member"/>
					<link:label xlink:type="resource" xlink:label="label_C000009538Member" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US">C000009538 [Member]</link:label>
					<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="C000009538Member" xlink:to="label_C000009538Member"/>
					<link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_RepurchaseAgreementsMember" xlink:label="RepurchaseAgreementsMember"/>
					<link:label xlink:type="resource" xlink:label="label_RepurchaseAgreementsMember" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US">Repurchase Agreements [Member]</link:label>
					<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="RepurchaseAgreementsMember" xlink:to="label_RepurchaseAgreementsMember"/>
					<link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InsuranceSectorMember" xlink:label="InsuranceSectorMember"/>
					<link:label xlink:type="resource" xlink:label="label_InsuranceSectorMember" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US">Insurance Sector [Member]</link:label>
					<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="InsuranceSectorMember" xlink:to="label_InsuranceSectorMember"/>
					<link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_StandardPoors500IndexMember" xlink:label="StandardPoors500IndexMember"/>
					<link:label xlink:type="resource" xlink:label="label_StandardPoors500IndexMember" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US">Standard &amp; Poor&apos;s 500 Index [Member]</link:label>
					<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="StandardPoors500IndexMember" xlink:to="label_StandardPoors500IndexMember"/>
					<link:loc xlink:type="locator" xlink:href="#dsi_C000009539Member" xlink:label="C000009539Member"/>
					<link:label xlink:type="resource" xlink:label="label_C000009539Member" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US">C000009539 [Member]</link:label>
					<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="C000009539Member" xlink:to="label_C000009539Member"/>
					<link:loc xlink:type="locator" xlink:href="#dsi_C000009541Member" xlink:label="C000009541Member"/>
					<link:label xlink:type="resource" xlink:label="label_C000009541Member" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US">C000009541 [Member]</link:label>
					<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="C000009541Member" xlink:to="label_C000009541Member"/>
					<link:loc xlink:type="locator" xlink:href="#dsi_C000009542Member" xlink:label="C000009542Member"/>
					<link:label xlink:type="resource" xlink:label="label_C000009542Member" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US">C000009542 [Member]</link:label>
					<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="C000009542Member" xlink:to="label_C000009542Member"/>
					<link:loc xlink:type="locator" xlink:href="#dsi_SAndP500FinancialsIndexMember" xlink:label="SAndP500FinancialsIndexMember"/>
					<link:label xlink:type="resource" xlink:label="label_SAndP500FinancialsIndexMember" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US">S And P 500 Financials Index [Member]</link:label>
					<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="SAndP500FinancialsIndexMember" xlink:to="label_SAndP500FinancialsIndexMember"/>
					<link:loc xlink:type="locator" xlink:href="#dsi_BanksMember" xlink:label="BanksMember"/>
					<link:label xlink:type="resource" xlink:label="label_BanksMember" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US">Banks [Member]</link:label>
					<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="BanksMember" xlink:to="label_BanksMember"/>
					<link:loc xlink:type="locator" xlink:href="#dsi_ConsumerFinanceMember" xlink:label="ConsumerFinanceMember"/>
					<link:label xlink:type="resource" xlink:label="label_ConsumerFinanceMember" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US">Consumer Finance [Member]</link:label>
					<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ConsumerFinanceMember" xlink:to="label_ConsumerFinanceMember"/>
					<link:loc xlink:type="locator" xlink:href="#dsi_CapitalMarketsMember" xlink:label="CapitalMarketsMember"/>
					<link:label xlink:type="resource" xlink:label="label_CapitalMarketsMember" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US">Capital Markets [Member]</link:label>
					<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="CapitalMarketsMember" xlink:to="label_CapitalMarketsMember"/>
					<link:loc xlink:type="locator" xlink:href="#dsi_BloombergUSAggregateBondC000009546IndexMember" xlink:label="BloombergUSAggregateBondC000009546IndexMember"/>
					<link:label xlink:type="resource" xlink:label="label_BloombergUSAggregateBondC000009546IndexMember" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US">Bloomberg U S Aggregate Bond C000009546 Index [Member]</link:label>
					<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="BloombergUSAggregateBondC000009546IndexMember" xlink:to="label_BloombergUSAggregateBondC000009546IndexMember"/>
					<link:loc xlink:type="locator" xlink:href="#dsi_BloombergUSAggregateBondC000009545IndexMember" xlink:label="BloombergUSAggregateBondC000009545IndexMember"/>
					<link:label xlink:type="resource" xlink:label="label_BloombergUSAggregateBondC000009545IndexMember" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US">Bloomberg U S Aggregate Bond C000009545 Index [Member]</link:label>
					<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="BloombergUSAggregateBondC000009545IndexMember" xlink:to="label_BloombergUSAggregateBondC000009545IndexMember"/>
					<link:loc xlink:type="locator" xlink:href="#dsi_BloombergUSAggregateBondC000009543IndexMember" xlink:label="BloombergUSAggregateBondC000009543IndexMember"/>
					<link:label xlink:type="resource" xlink:label="label_BloombergUSAggregateBondC000009543IndexMember" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US">Bloomberg U S Aggregate Bond C000009543 Index [Member]</link:label>
					<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="BloombergUSAggregateBondC000009543IndexMember" xlink:to="label_BloombergUSAggregateBondC000009543IndexMember"/>
					<link:loc xlink:type="locator" xlink:href="#dsi_C000009546Member" xlink:label="C000009546Member"/>
					<link:label xlink:type="resource" xlink:label="label_C000009546Member" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US">C000009546 [Member]</link:label>
					<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="C000009546Member" xlink:to="label_C000009546Member"/>
					<link:loc xlink:type="locator" xlink:href="#dsi_C000009545Member" xlink:label="C000009545Member"/>
					<link:label xlink:type="resource" xlink:label="label_C000009545Member" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US">C000009545 [Member]</link:label>
					<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="C000009545Member" xlink:to="label_C000009545Member"/>
					<link:loc xlink:type="locator" xlink:href="#dsi_C000009543Member" xlink:label="C000009543Member"/>
					<link:label xlink:type="resource" xlink:label="label_C000009543Member" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US">C000009543 [Member]</link:label>
					<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="C000009543Member" xlink:to="label_C000009543Member"/>
					<link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CommonStockMember" xlink:label="CommonStockMember"/>
					<link:label xlink:type="resource" xlink:label="label_CommonStockMember" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US">Common Stock [Member]</link:label>
					<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="CommonStockMember" xlink:to="label_CommonStockMember"/>
					<link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ShortTermInvestmentsMember" xlink:label="ShortTermInvestmentsMember"/>
					<link:label xlink:type="resource" xlink:label="label_ShortTermInvestmentsMember" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US">Short-Term Investments [Member]</link:label>
					<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ShortTermInvestmentsMember" xlink:to="label_ShortTermInvestmentsMember"/>
					<link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_MortgagesMember" xlink:label="MortgagesMember"/>
					<link:label xlink:type="resource" xlink:label="label_MortgagesMember" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US">Mortgages [Member]</link:label>
					<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="MortgagesMember" xlink:to="label_MortgagesMember"/>
					<link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CorporateBondSecuritiesMember" xlink:label="CorporateBondSecuritiesMember"/>
					<link:label xlink:type="resource" xlink:label="label_CorporateBondSecuritiesMember" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US">Corporate Bond Securities [Member]</link:label>
					<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="CorporateBondSecuritiesMember" xlink:to="label_CorporateBondSecuritiesMember"/>
					<link:loc xlink:type="locator" xlink:href="#dsi_C000009547Member" xlink:label="C000009547Member"/>
					<link:label xlink:type="resource" xlink:label="label_C000009547Member" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US">C000009547 [Member]</link:label>
					<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="C000009547Member" xlink:to="label_C000009547Member"/>
					<link:loc xlink:type="locator" xlink:href="#dsi_C000009549Member" xlink:label="C000009549Member"/>
					<link:label xlink:type="resource" xlink:label="label_C000009549Member" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US">C000009549 [Member]</link:label>
					<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="C000009549Member" xlink:to="label_C000009549Member"/>
					<link:loc xlink:type="locator" xlink:href="#dsi_C000009550Member" xlink:label="C000009550Member"/>
					<link:label xlink:type="resource" xlink:label="label_C000009550Member" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US">C000009550 [Member]</link:label>
					<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="C000009550Member" xlink:to="label_C000009550Member"/>
					<link:loc xlink:type="locator" xlink:href="#dsi_WilshireUSRealEstateSecuritiesIndexMember" xlink:label="WilshireUSRealEstateSecuritiesIndexMember"/>
					<link:label xlink:type="resource" xlink:label="label_WilshireUSRealEstateSecuritiesIndexMember" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US">Wilshire U S Real Estate Securities Index [Member]</link:label>
					<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="WilshireUSRealEstateSecuritiesIndexMember" xlink:to="label_WilshireUSRealEstateSecuritiesIndexMember"/>
					<link:loc xlink:type="locator" xlink:href="#dsi_SpecializedREITsMember" xlink:label="SpecializedREITsMember"/>
					<link:label xlink:type="resource" xlink:label="label_SpecializedREITsMember" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US">Specialized REITs [Member]</link:label>
					<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="SpecializedREITsMember" xlink:to="label_SpecializedREITsMember"/>
					<link:loc xlink:type="locator" xlink:href="#dsi_OfficeREITsMember" xlink:label="OfficeREITsMember"/>
					<link:label xlink:type="resource" xlink:label="label_OfficeREITsMember" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US">Office REITs [Member]</link:label>
					<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="OfficeREITsMember" xlink:to="label_OfficeREITsMember"/>
					<link:loc xlink:type="locator" xlink:href="#dsi_ResidentialREITsMember" xlink:label="ResidentialREITsMember"/>
					<link:label xlink:type="resource" xlink:label="label_ResidentialREITsMember" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US">Residential REITs [Member]</link:label>
					<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ResidentialREITsMember" xlink:to="label_ResidentialREITsMember"/>
					<link:loc xlink:type="locator" xlink:href="#dsi_IndustrialREITsMember" xlink:label="IndustrialREITsMember"/>
					<link:label xlink:type="resource" xlink:label="label_IndustrialREITsMember" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US">Industrial REITs [Member]</link:label>
					<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="IndustrialREITsMember" xlink:to="label_IndustrialREITsMember"/>
					<link:loc xlink:type="locator" xlink:href="#dsi_HealthCareREITsMember" xlink:label="HealthCareREITsMember"/>
					<link:label xlink:type="resource" xlink:label="label_HealthCareREITsMember" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US">Health Care REITs [Member]</link:label>
					<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="HealthCareREITsMember" xlink:to="label_HealthCareREITsMember"/>
					<link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InvestmentTypeAxis" xlink:label="InvestmentTypeAxis"/>
					<link:label xlink:type="resource" xlink:label="label_InvestmentTypeAxis" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US">Investment Type [Axis]</link:label>
					<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="InvestmentTypeAxis" xlink:to="label_InvestmentTypeAxis" priority="1"/>
					<link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AssetsNet" xlink:label="AssetsNet"/>
					<link:label xlink:type="resource" xlink:label="label_AssetsNet" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US">Net Assets</link:label>
					<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="AssetsNet" xlink:to="label_AssetsNet" priority="1"/>
					<link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InvestmentCompanyPortfolioTurnover" xlink:label="InvestmentCompanyPortfolioTurnover"/>
					<link:label xlink:type="resource" xlink:label="label_InvestmentCompanyPortfolioTurnover" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US">Investment Company Portfolio Turnover</link:label>
					<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="InvestmentCompanyPortfolioTurnover" xlink:to="label_InvestmentCompanyPortfolioTurnover" priority="1"/>                
					<link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_NoTradingSymbolFlag" xlink:label="dei_NoTradingSymbolFlag"/>
					<link:label xlink:type="resource" xlink:label="label_NoTradingSymbolFlag" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US">No Trading Symbol Flag</link:label>
					<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_NoTradingSymbolFlag" xlink:to="label_NoTradingSymbolFlag" priority="1"/>		
				</link:labelLink>
			</link:linkbase>
		</appinfo>
	</annotation>   
	<element name="SAndP1500IndexMember" id="dsi_SAndP1500IndexMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
	<element name="C000009530Member" id="dsi_C000009530Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
	<element name="C000009529Member" id="dsi_C000009529Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
	<element name="C000009527Member" id="dsi_C000009527Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
	<element name="C000009531Member" id="dsi_C000009531Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
	<element name="C000009533Member" id="dsi_C000009533Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
	<element name="C000009534Member" id="dsi_C000009534Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
	<element name="BloombergUSAggregateBondIndexMember" id="dsi_BloombergUSAggregateBondIndexMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
	<element name="BloombergUSGovernment13YearBondIndexMember" id="dsi_BloombergUSGovernment13YearBondIndexMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
	<element name="SmallBusinessAdministrationMember" id="dsi_SmallBusinessAdministrationMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
	<element name="FannieMaePoolsMember" id="dsi_FannieMaePoolsMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
	<element name="GinnieMaePoolsMember" id="dsi_GinnieMaePoolsMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
	<element name="FreddieMacPoolsMember" id="dsi_FreddieMacPoolsMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
	<element name="FannieMaeMember" id="dsi_FannieMaeMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
	<element name="FederalFarmCreditBankMember" id="dsi_FederalFarmCreditBankMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
	<element name="FederalHomeLoanBankMember" id="dsi_FederalHomeLoanBankMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
	<element name="C000009537Member" id="dsi_C000009537Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
	<element name="C000009536Member" id="dsi_C000009536Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
	<element name="C000009538Member" id="dsi_C000009538Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
	<element name="C000009539Member" id="dsi_C000009539Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
	<element name="C000009541Member" id="dsi_C000009541Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
	<element name="C000009542Member" id="dsi_C000009542Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
	<element name="SAndP500FinancialsIndexMember" id="dsi_SAndP500FinancialsIndexMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
	<element name="BanksMember" id="dsi_BanksMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
	<element name="ConsumerFinanceMember" id="dsi_ConsumerFinanceMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
	<element name="CapitalMarketsMember" id="dsi_CapitalMarketsMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
	<element name="BloombergUSAggregateBondC000009546IndexMember" id="dsi_BloombergUSAggregateBondC000009546IndexMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
	<element name="BloombergUSAggregateBondC000009545IndexMember" id="dsi_BloombergUSAggregateBondC000009545IndexMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
	<element name="BloombergUSAggregateBondC000009543IndexMember" id="dsi_BloombergUSAggregateBondC000009543IndexMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
	<element name="C000009546Member" id="dsi_C000009546Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
	<element name="C000009545Member" id="dsi_C000009545Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
	<element name="C000009543Member" id="dsi_C000009543Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
	<element name="C000009547Member" id="dsi_C000009547Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
	<element name="C000009549Member" id="dsi_C000009549Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
	<element name="C000009550Member" id="dsi_C000009550Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
	<element name="WilshireUSRealEstateSecuritiesIndexMember" id="dsi_WilshireUSRealEstateSecuritiesIndexMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
	<element name="SpecializedREITsMember" id="dsi_SpecializedREITsMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
	<element name="OfficeREITsMember" id="dsi_OfficeREITsMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
	<element name="ResidentialREITsMember" id="dsi_ResidentialREITsMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
	<element name="IndustrialREITsMember" id="dsi_IndustrialREITsMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
	<element name="HealthCareREITsMember" id="dsi_HealthCareREITsMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
</schema>
