Growth & Income Harmony 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

WinnerGrowth & Income Harmony

Low riskLow reward

2.4%

yield · $20/mo per $10k

Monthly Payday 272

Medium riskMedium reward

7.3%

yield · $61/mo per $10k

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

Growth of $10,000 (dividends reinvested)

Growth & Income HarmonyMonthly Payday 272Distributions reinvested · hypothetical, fixed weights

Total Return2–0

25.0%

Total Ret.

22.0%

15.0%

CAGR

13.2%

Income1–2

2.4%

Yield

7.3%

$20

Income

$61

0.86

Steadiness

1.62

Principal / NAVeven

19.8%

NAV

5.5%

-11.7%

Max DD

-9.4%

Riskeven

8.3

Risk-Adj.

3.9

1.65

Sortino

2.03

13.1%

Volatility

9.3%

1.9

Safety

2.3

Holdings overlap

0% overlap

Growth & Income Harmony only

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

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

Growth & Income Harmony wins. Monthly Payday 272 dangles a bigger 7.3% headline yield, but after NAV erosion its total return (22.0%) trails Growth & Income Harmony's 25.0% — and at a higher risk tier (2.3 vs 1.9). The classic yield trap.

Get one battle like this in your inbox every week

The Dividend Brief — free, risk-first, 2-min read.

Run your own matchups

Filter 30 portfolios by risk and reward and let the data crown a champion.

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.