All-Weather Conservative vs Barista FIRE Income

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

Compared over their common history since Jan 2024.

Judge on

Window

All-Weather Conservative

Low riskLow reward

4.6%

yield · $38/mo per $10k

WinnerBarista FIRE Income

High riskMedium reward

10.6%

yield · $88/mo per $10k

Barista FIRE Income wins on total return (2–0, full common history).

Growth of $10,000 (dividends reinvested)

All-Weather ConservativeBarista FIRE IncomeDistributions reinvested · hypothetical, fixed weights

Total Return0–2

23.6%

Total Ret.

42.6%

9.4%

CAGR

16.3%

Income0–3

4.6%

Yield

10.6%

$38

Income

$88

0.50

Steadiness

0.38

Principal / NAVeven

8.6%

NAV

12.9%

-9.1%

Max DD

-14.5%

Risk3–1

11.0

Risk-Adj.

4.7

1.45

Sortino

1.94

8.4%

Volatility

11.8%

1.4

Safety

3.6

Holdings overlap

0% overlap

All-Weather Conservative only

SGOV 20%SCHD 20%BIL 15%HDV 15%XLU 15%VYMI 15%

Shared

No shared holdings

Barista FIRE Income only

JEPQ 25%SPYI 20%QQQI 20%ARCC 15%EPD 10%STAG 10%

The risk-first read

All-Weather Conservative wins the risk-adjusted call: 23.6% total return at a meaningfully lower risk tier (1.4 vs 3.6). You're paid more per unit of risk — and Barista FIRE Income'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 2024 — no fees or taxes; past performance doesn't predict future results. How these numbers are computed. Not investment advice.