Battle Arena

Diversified Income 402 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 Jan 2024.

Judge on
Window
WinnerDiversified Income 402
High riskHigh reward

15.1%

yield · $126/mo per $10k

Growth & Income Harmony
Low riskLow reward

2.4%

yield · $20/mo per $10k

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

Growth of $10,000 (dividends reinvested)

Diversified Income 402Growth & Income HarmonyDistributions reinvested · hypothetical, fixed weights
Total Return2–0
73.3%
Total Ret.
45.3%
26.4%
CAGR
17.3%
Income3–0
15.1%
Yield
2.4%
$126
Income
$20
0.68
Steadiness
0.94
Principal / NAV0–2
22.3%
NAV
36.3%
-19.4%
Max DD
-11.7%
Risk1–3
5.7
Risk-Adj.
8.3
2.30
Sortino
2.00
17.4%
Volatility
12.2%
3.5
Safety
1.9

Holdings overlap

0% overlap

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%BIL 5%

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 the risk-adjusted call: 45.3% total return at a meaningfully lower risk tier (1.9 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.