Battle Arena

Retirement Fortress vs Yield Maximizer

How $10,000 would have grown in each — compared across total return, income, NAV, and risk.

Compared over their common history since Jan 2024.

Judge on
Window
Retirement Fortress
Low riskLow reward

2.4%

yield · $20/mo per $10k

WinnerYield Maximizer
High riskMedium reward

10.1%

yield · $84/mo per $10k

Yield Maximizer wins on total return (2–0, full common history).

Growth of $10,000 (dividends reinvested)

Retirement FortressYield MaximizerDistributions reinvested · hypothetical, fixed weights
Total Return0–2
43.9%
Total Ret.
48.3%
16.8%
CAGR
18.3%
Income1–2
2.4%
Yield
10.1%
$20
Income
$84
0.50
Steadiness
0.59
Principal / NAV2–0
35.0%
NAV
17.8%
-12.5%
Max DD
-13.4%
Riskeven
10.5
Risk-Adj.
4.8
1.97
Sortino
2.32
12.0%
Volatility
11.2%
1.9
Safety
3.6

Holdings overlap

0% overlap

Retirement Fortress only

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

Shared

No shared holdings

Yield Maximizer only

JEPQ 25%QQQI 20%SPYI 20%O 15%MAIN 10%EPD 10%

The risk-first read

Retirement Fortress wins the risk-adjusted call: 43.9% total return at a meaningfully lower risk tier (1.9 vs 3.6). You're paid more per unit of risk — and Yield Maximizer's extra tier exposure isn't buying enough return to justify it.

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Run your own matchups

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Growth is a hypothetical, fixed-weight backtest with distributions reinvested at ex-date since Jan 2024 — no fees or taxes; past performance doesn't predict future results. How these numbers are computed. Not investment advice.