Battle Arena

Retirement Fortress vs Risk Seeker 696

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
Retirement Fortress
Low riskLow reward

2.4%

yield · $20/mo per $10k

WinnerRisk Seeker 696
Medium riskHigh reward

16.6%

yield · $138/mo per $10k

Risk Seeker 696 wins on total return (2–0, full common history).

Growth of $10,000 (dividends reinvested)

Retirement FortressRisk Seeker 696Distributions reinvested · hypothetical, fixed weights
Total Return0–2
25.8%
Total Ret.
42.7%
15.5%
CAGR
25.0%
Income1–2
2.4%
Yield
16.6%
$20
Income
$138
0.48
Steadiness
1.70
Principal / NAV2–0
20.6%
NAV
6.9%
-12.5%
Max DD
-13.2%
Risk3–1
10.5
Risk-Adj.
8.8
1.69
Sortino
2.78
12.9%
Volatility
13.6%
1.9
Safety
2.6

Holdings overlap

0% overlap

Retirement Fortress only

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

Shared

No shared holdings

Risk Seeker 696 only

XPAY 20%ANCFX 20%CAIBX 20%GOOY 20%AMECX 20%

The risk-first read

Retirement Fortress wins the risk-adjusted call: 25.8% total return at a meaningfully lower risk tier (1.9 vs 2.6). You're paid more per unit of risk — and Risk Seeker 696'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.