Capital Preservation Plus vs Diversified Income 402

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

Capital Preservation Plus

Low riskMedium reward

6.8%

yield · $57/mo per $10k

WinnerDiversified Income 402

High riskHigh reward

15.1%

yield · $126/mo per $10k

Diversified Income 402 wins on total return (2–0, full common history).

Growth of $10,000 (dividends reinvested)

Capital Preservation PlusDiversified Income 402Distributions reinvested · hypothetical, fixed weights

Total Return0–2

-0.8%

Total Ret.

73.3%

-0.3%

CAGR

26.4%

Income1–2

6.8%

Yield

15.1%

$57

Income

$126

0.42

Steadiness

0.68

Principal / NAV0–2

-20.3%

NAV

22.3%

-21.9%

Max DD

-19.4%

Risk3–1

14.8

Risk-Adj.

5.7

0.06

Sortino

2.30

14.8%

Volatility

17.4%

1.2

Safety

3.5

Holdings overlap

5% overlap

Capital Preservation Plus only

HDV 40%SCHD 12%VYM 8%NOBL 5%

Shared

BIL 35%

Diversified Income 402 only

BIZD 10%NVDL 10%TSLY 10%SRLN 10%GPIQ 8%QQQI 8%SPYI 8%JEPQ 8%QYLD 8%AMLP 8%FPE 8%

The risk-first read

Capital Preservation Plus wins the risk-adjusted call: -0.8% total return at a meaningfully lower risk tier (1.2 vs 3.5). You're paid more per unit of risk — and Diversified Income 402'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.