Growth & Income Harmony vs Risk Seeker 418

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

Growth & Income Harmony

Low riskLow reward

2.4%

yield · $20/mo per $10k

WinnerRisk Seeker 418

Medium riskHigh reward

13.5%

yield · $112/mo per $10k

Risk Seeker 418 wins on total return (2–0, full common history).

Growth of $10,000 (dividends reinvested)

Growth & Income HarmonyRisk Seeker 418Distributions reinvested · hypothetical, fixed weights

Total Return0–2

25.0%

Total Ret.

37.9%

15.0%

CAGR

22.3%

Income1–2

2.4%

Yield

13.5%

$20

Income

$112

0.86

Steadiness

1.95

Principal / NAVeven

19.8%

NAV

7.7%

-11.7%

Max DD

-11.6%

Riskeven

8.0

Risk-Adj.

7.6

1.65

Sortino

2.72

13.1%

Volatility

12.3%

1.9

Safety

2.6

Holdings overlap

0% overlap

Growth & Income Harmony only

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

Shared

No shared holdings

Risk Seeker 418 only

XPAY 15%GOOY 15%AMECX 15%AMEFX 15%ANCFX 13%CAIBX 13%DIVO 13%

The risk-first read

Growth & Income Harmony wins the risk-adjusted call: 25.0% total return at a meaningfully lower risk tier (1.9 vs 2.6). You're paid more per unit of risk — and Risk Seeker 418'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 Oct 2024 — no fees or taxes; past performance doesn't predict future results. How these numbers are computed. Not investment advice.