Diversified Income 120 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

WinnerDiversified Income 120

Medium riskMedium reward

6.7%

yield · $56/mo per $10k

Monthly Payday 272

Medium riskMedium reward

7.3%

yield · $61/mo per $10k

Diversified Income 120 wins on total return (2–0, full common history).

Growth of $10,000 (dividends reinvested)

Diversified Income 120Monthly Payday 272Distributions reinvested · hypothetical, fixed weights

Total Return2–0

22.3%

Total Ret.

22.0%

13.4%

CAGR

13.2%

Income1–2

6.7%

Yield

7.3%

$56

Income

$61

1.28

Steadiness

1.62

Principal / NAV2–0

6.6%

NAV

5.5%

-8.3%

Max DD

-9.4%

Risk4–0

4.5

Risk-Adj.

3.9

2.48

Sortino

2.03

7.9%

Volatility

9.3%

2.2

Safety

2.3

Holdings overlap

80% overlap

Diversified Income 120 only

BKLN 10%

Shared

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

Monthly Payday 272 only

CAIBX 10%BIZD 10%

The risk-first read

Diversified Income 120 wins. Monthly Payday 272 dangles a bigger 7.3% headline yield, but after NAV erosion its total return (22.0%) trails Diversified Income 120's 22.3% — and at a higher risk tier (2.3 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 2024 — no fees or taxes; past performance doesn't predict future results. How these numbers are computed. Not investment advice.