Barista FIRE Income vs Quality Yield 688

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

Compared over their common history since Oct 2025.

Judge on

Window

Barista FIRE Income

High riskMedium reward

10.6%

yield · $88/mo per $10k

WinnerQuality Yield 688

Medium riskLow reward

4.1%

yield · $34/mo per $10k

Quality Yield 688 wins on total return (2–0, full common history).

Growth of $10,000 (dividends reinvested)

Barista FIRE IncomeQuality Yield 688Distributions reinvested · hypothetical, fixed weights

Total Return0–2

15.0%

Total Ret.

41.8%

23.9%

CAGR

70.5%

Income3–0

10.6%

Yield

4.1%

$88

Income

$34

0.26

Steadiness

1.17

Principal / NAVeven

7.6%

NAV

37.1%

-5.3%

Max DD

-8.4%

Risk1–3

4.7

Risk-Adj.

7.7

5.09

Sortino

5.84

9.5%

Volatility

20.6%

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

Quality Yield 688 only

BIL 15%SGOV 15%ING 12%PFE 12%OHI 12%NWG 12%DOW 12%NBIL 11%

The risk-first read

Quality Yield 688 wins. Barista FIRE Income dangles a bigger 10.6% headline yield, but after NAV erosion its total return (15.0%) trails Quality Yield 688's 41.8% — and at a higher risk tier (3.6 vs 2.2). The classic yield trap.

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Growth is a hypothetical, fixed-weight backtest with distributions reinvested at ex-date since Oct 2025 — no fees or taxes; past performance doesn't predict future results. How these numbers are computed. Not investment advice.