Compounding Machine 831 vs Growth & Income Harmony

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

Compared over their common history since Aug 2024.

Judge on

Window

Compounding Machine 831

Medium riskLow reward

5.3%

yield · $44/mo per $10k

WinnerGrowth & Income Harmony

Low riskLow reward

2.4%

yield · $20/mo per $10k

Growth & Income Harmony wins on total return (2–0, full common history).

Growth of $10,000 (dividends reinvested)

Compounding Machine 831Growth & Income HarmonyDistributions reinvested · hypothetical, fixed weights

Total Return0–2

21.1%

Total Ret.

26.4%

11.3%

CAGR

14.0%

Income3–0

5.3%

Yield

2.4%

$44

Income

$20

0.72

Steadiness

0.87

Principal / NAVeven

8.3%

NAV

20.3%

-5.4%

Max DD

-11.7%

Riskeven

4.9

Risk-Adj.

8.3

2.30

Sortino

1.55

6.8%

Volatility

13.0%

2.1

Safety

1.9

Holdings overlap

0% overlap

Compounding Machine 831 only

AMRFX 10%AMLP 8%BKLN 8%CGCP 8%DHS 8%DIV 8%DWX 8%QDVO 8%SDIV 8%VRP 8%BIL 8%SGOV 8%

Shared

No shared holdings

Growth & Income Harmony only

VIG 25%SCHD 25%DGRW 20%O 15%JPM 15%

The risk-first read

Growth & Income Harmony wins. Compounding Machine 831 dangles a bigger 5.3% headline yield, but after NAV erosion its total return (21.1%) trails Growth & Income Harmony's 26.4% — and at a higher risk tier (2.1 vs 1.9). The classic yield trap.

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Growth is a hypothetical, fixed-weight backtest with distributions reinvested at ex-date since Aug 2024 — no fees or taxes; past performance doesn't predict future results. How these numbers are computed. Not investment advice.