Growth & Income Harmony vs Retirement Fortress

How $10,000 would have grown in each — compared across total return, income, NAV, and risk.

Compared over their common history since Jan 2023.

Judge on

Window

WinnerGrowth & Income Harmony

Low riskLow reward

2.4%

yield · $20/mo per $10k

Retirement Fortress

Low riskLow reward

2.4%

yield · $20/mo per $10k

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

Growth of $10,000 (dividends reinvested)

Growth & Income HarmonyRetirement FortressDistributions reinvested · hypothetical, fixed weights

Total Return2–0

59.6%

Total Ret.

53.5%

14.9%

CAGR

13.6%

Income2–1

2.4%

Yield

2.4%

$20

Income

$20

0.92

Steadiness

0.51

Principal / NAV2–0

45.2%

NAV

39.6%

-11.7%

Max DD

-12.5%

Risk1–3

8.0

Risk-Adj.

10.5

1.77

Sortino

1.64

12.4%

Volatility

12.2%

1.9

Safety

1.9

Holdings overlap

40% overlap

Growth & Income Harmony only

DGRW 20%O 15%JPM 15%

Shared

VIG 25%SCHD 25%

Retirement Fortress only

VYM 25%DGRO 20%DVY 10%

The risk-first read

Retirement Fortress takes it on risk-adjusted return (10.5 vs 8.0), winning 7 of the 11 head-to-head stats. Growth & Income Harmony's one edge is a higher 2.4% yield — 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 Jan 2023 — no fees or taxes; past performance doesn't predict future results. How these numbers are computed. Not investment advice.