All-Weather 692 vs Growth & Income Harmony

How $10,000 would have grown in each — compared across total return, income, NAV, and risk.

Compared over their common history since Jan 2026.

Judge on

Window

WinnerAll-Weather 692

High riskLow reward

2.7%

yield · $23/mo per $10k

Growth & Income Harmony

Low riskLow reward

2.4%

yield · $20/mo per $10k

All-Weather 692 wins on total return (2–0, full common history).

Growth of $10,000 (dividends reinvested)

All-Weather 692Growth & Income HarmonyDistributions reinvested · hypothetical, fixed weights

Total Return2–0

16.2%

Total Ret.

7.4%

50.8%

CAGR

21.5%

Income2–1

2.7%

Yield

2.4%

$23

Income

$20

1.47

Steadiness

0.99

Principal / NAVeven

49.0%

NAV

6.5%

-12.2%

Max DD

-6.5%

Risk0–4

5.0

Risk-Adj.

8.3

2.30

Sortino

3.14

42.2%

Volatility

12.0%

3.9

Safety

1.9

Holdings overlap

0% overlap

All-Weather 692 only

CSHI 10%TSLL 9%XMAG 9%FDL 9%SCHH 8%VNQ 8%ORCX 8%CONL 8%MAGX 8%BKLN 8%CGCP 8%IRE 8%

Shared

No shared holdings

Growth & Income Harmony only

VIG 25%SCHD 25%DGRW 20%O 15%JPM 15%

The risk-first read

Growth & Income Harmony wins the risk-adjusted call: 7.4% total return at a meaningfully lower risk tier (1.9 vs 3.9). You're paid more per unit of risk — and All-Weather 692's extra tier exposure isn't buying enough return to justify it.

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Growth is a hypothetical, fixed-weight backtest with distributions reinvested at ex-date since Jan 2026 — no fees or taxes; past performance doesn't predict future results. How these numbers are computed. Not investment advice.