Retirement Fortress vs Sharpe Maximizer

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

WinnerRetirement Fortress

Low riskLow reward

2.4%

yield · $20/mo per $10k

Sharpe Maximizer

Low riskLow reward

3.8%

yield · $31/mo per $10k

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

Growth of $10,000 (dividends reinvested)

Retirement FortressSharpe MaximizerDistributions reinvested · hypothetical, fixed weights

Total Return2–0

53.5%

Total Ret.

39.8%

13.6%

CAGR

10.5%

Income1–2

2.4%

Yield

3.8%

$20

Income

$31

0.51

Steadiness

0.54

Principal / NAVeven

39.6%

NAV

23.1%

-12.5%

Max DD

-11.9%

Risk1–3

10.5

Risk-Adj.

11.3

1.64

Sortino

1.24

12.2%

Volatility

12.2%

1.9

Safety

1.9

Holdings overlap

65% overlap

Retirement Fortress only

VYM 25%DVY 10%

Shared

SCHD 30%DGRO 20%VIG 15%

Sharpe Maximizer only

HDV 15%

The risk-first read

Sharpe Maximizer takes it on risk-adjusted return (11.3 vs 10.5), winning 6 of the 11 head-to-head stats. Retirement Fortress's one edge is a lower 1.9 risk tier — 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.