Battle Arena

Barista FIRE Income 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
WinnerBarista FIRE Income
High riskMedium reward

10.6%

yield · $88/mo per $10k

Diversified Income 120
Medium riskMedium reward

6.7%

yield · $56/mo per $10k

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

Growth of $10,000 (dividends reinvested)

Barista FIRE IncomeDiversified Income 120Distributions reinvested · hypothetical, fixed weights
Total Return2–0
28.2%
Total Ret.
22.3%
16.8%
CAGR
13.4%
Income3–0
10.6%
Yield
6.7%
$88
Income
$56
0.34
Steadiness
1.28
Principal / NAVeven
8.9%
NAV
6.6%
-14.5%
Max DD
-8.3%
Risk1–3
4.7
Risk-Adj.
4.5
1.86
Sortino
2.48
12.7%
Volatility
7.9%
3.6
Safety
2.2

Holdings overlap

0% overlap

Barista FIRE Income only

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

Shared

No shared holdings

Diversified Income 120 only

BIL 15%QDVO 13%VRP 12%FPE 10%AMLP 10%AMRFX 10%ANCFX 10%XPAY 10%BKLN 10%

The risk-first read

Barista FIRE Income takes it on risk-adjusted return (4.7 vs 4.5), winning 7 of the 11 head-to-head stats. Diversified Income 120's one edge is a lower 2.2 risk tier — worth it only if that's specifically what you're after.

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Run your own matchups

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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.