All-Weather Conservative vs Yield Maximizer

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

WinnerYield Maximizer

High riskMedium reward

10.1%

yield · $84/mo per $10k

Yield Maximizer wins on total return (2–0, full common history).

Growth of $10,000 (dividends reinvested)

All-Weather ConservativeYield MaximizerDistributions reinvested · hypothetical, fixed weights

Total Return0–2

23.6%

Total Ret.

48.3%

9.4%

CAGR

18.3%

Income1–2

4.6%

Yield

10.1%

$38

Income

$84

0.50

Steadiness

0.59

Principal / NAVeven

8.6%

NAV

17.8%

-9.1%

Max DD

-13.4%

Risk3–1

11.0

Risk-Adj.

4.8

1.45

Sortino

2.32

8.4%

Volatility

11.2%

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

Yield Maximizer only

JEPQ 25%QQQI 20%SPYI 20%O 15%MAIN 10%EPD 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 Yield Maximizer'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.