All-Weather Conservative vs Risk Seeker 418

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

WinnerRisk Seeker 418

Medium riskHigh reward

13.5%

yield · $112/mo per $10k

Risk Seeker 418 wins on total return (2–0, full common history).

Growth of $10,000 (dividends reinvested)

All-Weather ConservativeRisk Seeker 418Distributions reinvested · hypothetical, fixed weights

Total Return0–2

10.3%

Total Ret.

37.9%

6.3%

CAGR

22.3%

Income1–2

4.6%

Yield

13.5%

$38

Income

$112

0.52

Steadiness

1.95

Principal / NAVeven

-0.4%

NAV

7.7%

-9.1%

Max DD

-11.6%

Risk3–1

11.0

Risk-Adj.

7.6

0.88

Sortino

2.72

9.3%

Volatility

12.3%

1.4

Safety

2.6

Holdings overlap

0% overlap

All-Weather Conservative only

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

Shared

No shared holdings

Risk Seeker 418 only

XPAY 15%GOOY 15%AMECX 15%AMEFX 15%ANCFX 13%CAIBX 13%DIVO 13%

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 2.6). You're paid more per unit of risk — and Risk Seeker 418'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.