All-Weather Conservative vs Retirement Fortress

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

Compared over their common history since Feb 2023.

Judge on

Window

All-Weather Conservative

Low riskLow reward

4.6%

yield · $38/mo per $10k

WinnerRetirement Fortress

Low riskLow reward

2.4%

yield · $20/mo per $10k

Retirement Fortress wins on total return (2–0, full common history).

Growth of $10,000 (dividends reinvested)

All-Weather ConservativeRetirement FortressDistributions reinvested · hypothetical, fixed weights

Total Return0–2

27.5%

Total Ret.

53.2%

7.6%

CAGR

13.7%

Income2–1

4.6%

Yield

2.4%

$38

Income

$20

0.59

Steadiness

0.51

Principal / NAVeven

7.9%

NAV

39.3%

-9.1%

Max DD

-12.5%

Risk3–1

11.0

Risk-Adj.

10.5

1.24

Sortino

1.64

8.3%

Volatility

12.3%

1.4

Safety

1.9

Holdings overlap

20% overlap

All-Weather Conservative only

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

Shared

SCHD 20%

Retirement Fortress only

VYM 25%DGRO 20%VIG 15%DVY 10%

The risk-first read

All-Weather Conservative wins the risk-adjusted call: 27.5% total return at a meaningfully lower risk tier (1.4 vs 1.9). You're paid more per unit of risk — and Retirement Fortress'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 Feb 2023 — no fees or taxes; past performance doesn't predict future results. How these numbers are computed. Not investment advice.