All-Weather Conservative vs Diversified Income 120

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

Compared over their common history since Oct 2024.

Judge on

Window

All-Weather Conservative

Low riskLow reward

4.6%

yield · $38/mo per $10k

WinnerDiversified Income 120

Medium riskMedium reward

6.7%

yield · $56/mo per $10k

Diversified Income 120 wins on total return (2–0, full common history).

Growth of $10,000 (dividends reinvested)

All-Weather ConservativeDiversified Income 120Distributions reinvested · hypothetical, fixed weights

Total Return0–2

10.3%

Total Ret.

22.3%

6.3%

CAGR

13.4%

Income1–2

4.6%

Yield

6.7%

$38

Income

$56

0.52

Steadiness

1.28

Principal / NAV0–2

-0.4%

NAV

6.6%

-9.1%

Max DD

-8.3%

Riskeven

11.0

Risk-Adj.

4.5

0.88

Sortino

2.48

9.3%

Volatility

7.9%

1.4

Safety

2.2

Holdings overlap

15% overlap

All-Weather Conservative only

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

Shared

BIL 15%

Diversified Income 120 only

QDVO 13%VRP 12%FPE 10%AMLP 10%AMRFX 10%ANCFX 10%XPAY 10%BKLN 10%

The risk-first read

All-Weather Conservative wins the risk-adjusted call: 10.3% total return at a meaningfully lower risk tier (1.4 vs 2.2). You're paid more per unit of risk — and Diversified Income 120'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 Oct 2024 — no fees or taxes; past performance doesn't predict future results. How these numbers are computed. Not investment advice.