Global Conservative 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

WinnerGlobal Conservative

Low riskLow reward

2.6%

yield · $22/mo per $10k

Monthly Payday 272

Medium riskMedium reward

7.3%

yield · $61/mo per $10k

Global Conservative wins on total return (2–0, full common history).

Growth of $10,000 (dividends reinvested)

Global ConservativeMonthly Payday 272Distributions reinvested · hypothetical, fixed weights

Total Return2–0

39.5%

Total Ret.

22.0%

23.2%

CAGR

13.2%

Income1–2

2.6%

Yield

7.3%

$22

Income

$61

0.55

Steadiness

1.62

Principal / NAV2–0

31.9%

NAV

5.5%

-9.0%

Max DD

-9.4%

Risk3–1

14.2

Risk-Adj.

3.9

2.47

Sortino

2.03

12.4%

Volatility

9.3%

1.8

Safety

2.3

Holdings overlap

0% overlap

Global Conservative only

SCHD 30%VYM 25%VYMI 25%IDV 20%

Shared

No shared holdings

Monthly Payday 272 only

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

The risk-first read

Global Conservative wins. Monthly Payday 272 dangles a bigger 7.3% headline yield, but after NAV erosion its total return (22.0%) trails Global Conservative's 39.5% — and at a higher risk tier (2.3 vs 1.8). 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.