Diversified Income 402 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 402

High riskHigh reward

15.1%

yield · $126/mo per $10k

Monthly Payday 272

Medium riskMedium reward

7.3%

yield · $61/mo per $10k

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

Growth of $10,000 (dividends reinvested)

Diversified Income 402Monthly Payday 272Distributions reinvested · hypothetical, fixed weights

Total Return2–0

35.7%

Total Ret.

22.0%

21.1%

CAGR

13.2%

Income3–0

15.1%

Yield

7.3%

$126

Income

$61

0.70

Steadiness

1.62

Principal / NAVeven

6.9%

NAV

5.5%

-19.4%

Max DD

-9.4%

Risk1–3

5.7

Risk-Adj.

3.9

1.91

Sortino

2.03

16.9%

Volatility

9.3%

3.5

Safety

2.3

Holdings overlap

30% overlap

Diversified Income 402 only

NVDL 10%TSLY 10%SRLN 10%GPIQ 8%QQQI 8%SPYI 8%JEPQ 8%QYLD 8%

Shared

BIZD 10%AMLP 8%FPE 8%BIL 5%

Monthly Payday 272 only

QDVO 10%AMRFX 10%ANCFX 10%CAIBX 10%XPAY 10%VRP 10%

The risk-first read

Diversified Income 402 takes it on risk-adjusted return (5.7 vs 3.9), winning 7 of the 11 head-to-head stats. Monthly Payday 272's one edge is a lower 2.3 risk tier — worth it only if that's specifically what you're after.

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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.