Capital Preservation Plus vs Monthly Payday 272

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

Capital Preservation Plus

Low riskMedium reward

6.8%

yield · $57/mo per $10k

WinnerMonthly Payday 272

Medium riskMedium reward

7.3%

yield · $61/mo per $10k

Monthly Payday 272 wins on total return (2–0, full common history).

Growth of $10,000 (dividends reinvested)

Capital Preservation PlusMonthly Payday 272Distributions reinvested · hypothetical, fixed weights

Total Return0–2

-9.6%

Total Ret.

22.0%

-6.1%

CAGR

13.2%

Income1–2

6.8%

Yield

7.3%

$57

Income

$61

0.46

Steadiness

1.62

Principal / NAV0–2

-25.9%

NAV

5.5%

-21.9%

Max DD

-9.4%

Riskeven

14.8

Risk-Adj.

3.9

-0.28

Sortino

2.03

17.4%

Volatility

9.3%

1.2

Safety

2.3

Holdings overlap

10% overlap

Capital Preservation Plus only

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

Shared

BIL 35%

Monthly Payday 272 only

QDVO 10%FPE 10%AMRFX 10%ANCFX 10%CAIBX 10%XPAY 10%AMLP 10%VRP 10%BIZD 10%

The risk-first read

Capital Preservation Plus wins the risk-adjusted call: -9.6% total return at a meaningfully lower risk tier (1.2 vs 2.3). You're paid more per unit of risk — and Monthly Payday 272'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.