Growth & Income Harmony vs Test Aaron

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

Test Aaron

High riskMedium reward

7.7%

yield · $64/mo per $10k

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

Growth of $10,000 (dividends reinvested)

Growth & Income HarmonyTest AaronDistributions reinvested · hypothetical, fixed weights

Total Return2–0

59.6%

Total Ret.

52.0%

14.9%

CAGR

13.2%

Income0–3

2.4%

Yield

7.7%

$20

Income

$64

0.92

Steadiness

0.33

Principal / NAVeven

45.2%

NAV

41.2%

-11.7%

Max DD

-11.4%

Riskeven

8.0

Risk-Adj.

4.0

1.77

Sortino

1.91

12.4%

Volatility

10.1%

1.9

Safety

3.6

Holdings overlap

20% overlap

Growth & Income Harmony only

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

Shared

SCHD 25%

Test Aaron only

JEPI 40%QQQH 40%

The risk-first read

Growth & Income Harmony wins. Test Aaron dangles a bigger 7.7% headline yield, but after NAV erosion its total return (52.0%) trails Growth & Income Harmony's 59.6% — and at a higher risk tier (3.6 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 Jan 2023 — no fees or taxes; past performance doesn't predict future results. How these numbers are computed. Not investment advice.