Monthly Payday 272 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 Oct 2024.

Judge on

Window

Monthly Payday 272

Medium riskMedium reward

7.3%

yield · $61/mo per $10k

WinnerRetirement Fortress

Low riskLow reward

2.4%

yield · $20/mo per $10k

Retirement Fortress wins on total return (2–0, full common history).

Growth of $10,000 (dividends reinvested)

Monthly Payday 272Retirement FortressDistributions reinvested · hypothetical, fixed weights

Total Return0–2

22.0%

Total Ret.

25.8%

13.2%

CAGR

15.5%

Income2–1

7.3%

Yield

2.4%

$61

Income

$20

1.62

Steadiness

0.48

Principal / NAVeven

5.5%

NAV

20.6%

-9.4%

Max DD

-12.5%

Riskeven

3.9

Risk-Adj.

10.8

2.03

Sortino

1.69

9.3%

Volatility

12.9%

2.3

Safety

1.9

Holdings overlap

0% overlap

Monthly Payday 272 only

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

Shared

No shared holdings

Retirement Fortress only

SCHD 30%VYM 25%DGRO 20%VIG 15%DVY 10%

The risk-first read

Retirement Fortress wins. Monthly Payday 272 dangles a bigger 7.3% headline yield, but after NAV erosion its total return (22.0%) trails Retirement Fortress's 25.8% — and at a higher risk tier (2.3 vs 1.9). 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.