Sleep-Well Four
Portfolio Details
Sleep-Well Four
Simulated Paper Trading — Not real money
Buy-and-hold dividend income portfolio with no options overlay. Four high-quality dividend ETFs providing steady monthly income. Zero maintenance benchmark for comparing wheel strategy alpha.
DGRO
JEPI
SCHD
SPYI
+3.5%
Total Return (Oct 2025 – Present)
$25,881
Current NAV
$265
Income YTD
3.6%
Ann. Yield
100%
Win Rate
5.0%
Max Drawdown
Portfolio Summary
Performance overview of your 4-ETF sleep-well portfolio
SCHD
$2,714
+9.43%
$2,480 invested
DGRO
$2,586
+5.79%
$2,444 invested
JEPI
$2,577
+5.08%
$2,452 invested
SPYI
$2,583
+4.73%
$2,466 invested
Strategy
Sleep-Well Four pursues a dividend-focused buy-and-hold strategy using four low-volatility, income-generating ETFs to generate consistent yield while maintaining modest capital appreciation. The portfolio prioritizes regular income distribution over aggressive growth, targeting investors seeking passive cash flow with reduced portfolio turnover and market timing risk.
Why Sleep-Well?
This portfolio is designed so you can sleep well at night. Low beta, steady income, and diversified strategies mean less worry during market turbulence.
$10,000 Investment Growth (2025)
How each holding would perform with equal $10K allocation
SCHD
$10,943
+9.4%
on $10K invested
DGRO
$10,579
+5.8%
on $10K invested
JEPI
$10,508
+5.1%
on $10K invested
SPYI
$10,473
+4.7%
on $10K invested
Comparative Growth
Key Insight
SCHD leads with a 9.4% return, turning $10,000 into $10,943. The portfolio balances growth-oriented and income-focused ETFs for diversified returns.
Maximum Drawdown Analysis
Protection ratings during market downturns
| ETF | Strategy | Max Drawdown | Worst Month | Beta | Protection |
|---|---|---|---|---|---|
| JEPI | Defensive + Options | -2.5% | Nov 25 | 0.43 | ●●●●● |
| DGRO | Dividend Growth | -2.9% | Nov 25 | 0.66 | ●●●●● |
| SCHD | Dividend Quality | -4.0% | Nov 25 | 0.56 | ●●●●● |
| SPYI | S&P 500 + Options | -4.0% | Nov 25 | 0.70 | ●●●●● |
Best Protection
JEPI showed the strongest downside protection with only a -2.5% maximum drawdown and a 0.43 beta.
Deepest Drawdown
SPYI experienced the largest drawdown at -4.0%, though still modest compared to broad market indices.
March 2025 Stress Test
How each ETF performed during the worst month:
JEPI
-2.5%
DGRO
-2.9%
SCHD
-4.0%
SPYI
-4.0%
Income Analysis
Annual income on $10K allocation per holding
JEPI
$797
8.0% yield · ~$66/mo
SCHD
$300
3.0% yield · ~$25/mo
DGRO
$187
1.9% yield · ~$16/mo
SPYI
$145
1.5% yield · ~$12/mo
Distribution Frequency
Monthly Payers
JEPI, SPYI
Quarterly Payers
SCHD, DGRO
Income vs Total Return Trade-off
| ETF | Yield | Annual Income | Price Return | Total Return |
|---|---|---|---|---|
| JEPI | 8.0% | $797 | -2.9% | +5.1% |
| SCHD | 3.0% | $300 | +6.4% | +9.4% |
| DGRO | 1.9% | $187 | +3.9% | +5.8% |
| SPYI | 1.5% | $145 | +3.3% | +4.7% |
Income Insight
Average portfolio yield of 3.6% generates approximately $1429 annually on $40K invested ($119/month).
Upcoming Distributions (6 Months)
| Ex-Date | Ticker | $/Share | Est. Amount | Payment | Status |
|---|---|---|---|---|---|
| Oct 1 | JEPI | $0.3410 | $15.00 | Oct 19 | Ex Passed |
| Oct 16 | SPYI | $0.5340 | $26.17 | Nov 3 | Upcoming |
| Oct 31 | JEPI | $0.3410 | $15.00 | Nov 18 | Upcoming |
| Nov 15 | SPYI | $0.5340 | $26.17 | Dec 3 | Upcoming |
| Nov 30 | JEPI | $0.3410 | $15.00 | Dec 18 | Upcoming |
| Dec 15 | DGRO | $0.3850 | $13.86 | Jan 2 | Upcoming |
| Dec 15 | SPYI | $0.5340 | $26.17 | Jan 2 | Upcoming |
| Dec 23 | SCHD | $0.2670 | $24.30 | Jan 10 | Upcoming |
| Dec 30 | JEPI | $0.3410 | $15.00 | Jan 17 | Upcoming |
| Jan 14 | SPYI | $0.5340 | $26.17 | Feb 1 | Upcoming |
| Jan 29 | JEPI | $0.3410 | $15.00 | Feb 16 | Upcoming |
| Feb 13 | SPYI | $0.5340 | $26.17 | Mar 3 | Upcoming |
| Feb 28 | JEPI | $0.3410 | $15.00 | Mar 18 | Upcoming |
| Mar 15 | SPYI | $0.5340 | $26.17 | Apr 2 | Upcoming |
| Mar 16 | DGRO | $0.3850 | $13.86 | Apr 3 | Upcoming |
| Mar 24 | SCHD | $0.2670 | $24.30 | Apr 11 | Upcoming |
| Mar 30 | JEPI | $0.3410 | $15.00 | Apr 17 | Upcoming |
Total Expected (6 mo)
$338.34
Monthly Average
$56.39
Events
17
Monthly Returns Heatmap
Month-by-month performance tracking
| Month | Portfolio | DGRO | JEPI | SCHD | SPYI |
|---|---|---|---|---|---|
| Oct 2025 | -60.6% | 0.0% | 0.0% | 0.0% | 0.0% |
| Oct 2025 | -0.2% | -0.2% | 0.0% | -0.7% | 0.0% |
| Oct 2025 | +0.3% | +0.5% | +0.3% | +0.3% | 0.0% |
| Oct 2025 | 0.0% | 0.0% | -0.1% | -0.3% | +0.3% |
| Oct 2025 | -0.2% | -0.1% | -0.2% | -0.2% | -0.2% |
| Oct 2025 | 0.0% | 0.0% | +0.1% | -0.4% | +0.4% |
| Oct 2025 | -0.4% | -0.5% | -0.3% | -0.7% | -0.1% |
| Oct 2025 | -1.7% | -1.8% | -1.3% | -1.7% | -2.2% |
| Oct 2025 | +0.9% | +1.0% | +1.0% | +0.3% | +1.4% |
| Oct 2025 | +0.5% | +0.7% | +0.6% | +0.9% | -0.1% |
| Oct 2025 | 0.0% | +0.1% | 0.0% | -0.3% | +0.4% |
| Oct 2025 | -0.7% | -0.9% | -0.6% | -0.8% | -0.6% |
| Oct 2025 | +0.6% | +0.5% | +0.6% | +0.8% | +0.6% |
| Oct 2025 | +0.8% | +0.9% | +0.5% | +0.8% | +0.9% |
| Oct 2025 | +0.3% | 0.0% | +0.6% | +0.3% | +0.1% |
| Oct 2025 | -0.4% | -0.4% | -0.4% | -0.3% | -0.4% |
| Oct 2025 | +0.3% | +0.2% | +0.3% | +0.1% | +0.5% |
| Oct 2025 | +0.3% | +0.4% | 0.0% | 0.0% | +0.6% |
| Oct 2025 | +0.5% | +0.7% | +0.2% | +0.3% | +0.7% |
| Oct 2025 | -0.4% | -0.5% | -0.6% | -0.4% | +0.1% |
| Oct 2025 | -0.6% | -0.8% | -0.6% | -1.0% | 0.0% |
| Oct 2025 | -0.2% | -0.1% | 0.0% | -0.2% | -0.5% |
| Oct 2025 | 0.0% | -0.2% | -0.1% | +0.3% | +0.2% |
| Nov 2025 | -0.4% | -0.7% | -0.2% | -1.1% | +0.1% |
| Nov 2025 | -0.3% | -0.1% | 0.0% | -0.1% | -0.9% |
| Nov 2025 | +0.3% | +0.3% | +0.1% | +0.5% | +0.3% |
| Nov 2025 | -0.5% | -0.3% | -0.4% | -0.2% | -0.9% |
| Nov 2025 | +0.4% | +0.4% | +0.4% | +0.8% | +0.1% |
| Nov 2025 | +0.6% | +0.5% | +0.5% | +0.2% | +1.3% |
| Nov 2025 | +0.9% | +1.0% | +0.7% | +1.5% | +0.2% |
| Nov 2025 | +0.2% | +0.5% | +0.3% | 0.0% | +0.1% |
| Nov 2025 | -0.7% | -0.8% | -0.7% | +0.1% | -1.4% |
| Nov 2025 | -0.1% | -0.2% | -0.2% | +0.1% | 0.0% |
| Nov 2025 | -0.8% | -0.9% | -0.6% | -0.9% | -0.8% |
| Nov 2025 | -0.1% | -0.1% | -0.2% | +0.6% | -0.8% |
| Nov 2025 | -0.1% | 0.0% | +0.1% | -0.9% | +0.4% |
| Nov 2025 | -1.1% | -0.8% | -0.8% | -1.1% | -1.4% |
| Nov 2025 | +1.4% | +1.3% | +1.3% | +1.8% | +1.0% |
| Nov 2025 | +0.4% | +0.2% | +0.4% | -0.5% | +1.4% |
| Nov 2025 | +1.1% | +1.3% | +1.1% | +1.4% | +0.8% |
| Nov 2025 | +0.5% | +0.6% | +0.4% | +0.5% | +0.6% |
| Nov 2025 | +0.5% | +0.6% | +0.4% | +0.5% | +0.5% |
| Dec 2025 | -0.5% | -0.8% | -0.6% | -0.2% | -0.4% |
| Dec 2025 | -0.1% | -0.2% | -0.1% | -0.5% | +0.2% |
| Dec 2025 | +0.8% | +0.9% | +0.6% | +1.5% | +0.3% |
| Dec 2025 | -0.1% | -0.2% | 0.0% | -0.2% | +0.1% |
| Dec 2025 | 0.0% | -0.1% | -0.1% | -0.1% | +0.2% |
| Dec 2025 | -0.4% | -0.4% | -0.4% | -0.5% | -0.2% |
| Dec 2025 | -0.2% | -0.2% | -0.3% | -0.4% | -0.1% |
| Dec 2025 | +1.0% | +1.3% | +0.7% | +1.4% | +0.6% |
| Dec 2025 | +0.5% | +0.7% | +0.7% | +0.4% | +0.2% |
| Dec 2025 | -0.3% | -0.5% | -0.1% | 0.0% | -0.8% |
| Dec 2025 | +0.1% | +0.2% | +0.1% | +0.3% | -0.1% |
| Dec 2025 | -0.7% | -0.9% | -0.4% | -1.0% | -0.2% |
| Dec 2025 | -0.3% | -0.1% | -0.5% | +0.5% | -1.0% |
| Dec 2025 | +0.1% | 0.0% | +0.3% | -0.4% | +0.7% |
| Dec 2025 | +0.3% | +0.2% | +0.2% | -0.1% | +0.8% |
| Dec 2025 | +0.5% | +0.7% | +0.4% | +0.6% | +0.6% |
| Dec 2025 | +0.1% | +0.1% | +0.1% | -0.3% | +0.4% |
| Dec 2025 | +0.4% | +0.5% | +0.3% | +0.4% | +0.3% |
| Dec 2025 | 0.0% | 0.0% | +0.1% | -0.1% | 0.0% |
| Dec 2025 | -0.1% | -0.2% | -0.1% | -0.1% | -0.2% |
| Dec 2025 | -0.1% | -0.2% | 0.0% | 0.0% | -0.1% |
| Dec 2025 | -0.6% | -0.7% | -0.5% | -0.7% | -0.5% |
| Jan 2026 | +0.5% | +0.5% | +0.1% | +1.1% | +0.1% |
| Jan 2026 | +0.5% | +0.6% | +0.3% | +0.7% | +0.5% |
| Jan 2026 | +0.6% | +0.7% | +0.8% | +0.6% | +0.4% |
| Jan 2026 | -0.5% | -0.9% | -0.3% | -0.7% | -0.2% |
| Jan 2026 | +0.8% | +0.8% | +0.5% | +1.9% | 0.0% |
| Jan 2026 | +0.5% | +0.5% | +0.4% | +0.5% | +0.5% |
| Jan 2026 | 0.0% | +0.1% | +0.1% | -0.2% | +0.1% |
| Jan 2026 | 0.0% | -0.2% | -0.1% | +0.4% | -0.1% |
| Jan 2026 | +0.4% | +0.4% | +0.1% | +1.5% | -0.3% |
| Jan 2026 | +0.2% | +0.3% | +0.1% | 0.0% | +0.2% |
| Jan 2026 | -0.1% | 0.0% | 0.0% | -0.4% | 0.0% |
| Jan 2026 | -1.3% | -1.4% | -1.4% | -0.7% | -1.6% |
| Jan 2026 | +1.2% | +1.1% | +1.0% | +1.6% | +1.0% |
| Jan 2026 | +0.2% | +0.1% | +0.3% | +0.1% | +0.4% |
| Jan 2026 | 0.0% | -0.2% | +0.1% | -0.1% | +0.1% |
| Jan 2026 | +0.4% | +0.5% | +0.4% | +0.1% | +0.4% |
| Jan 2026 | +0.2% | 0.0% | 0.0% | +0.7% | +0.3% |
| Jan 2026 | -0.2% | -0.2% | -0.3% | -0.2% | 0.0% |
| Jan 2026 | +0.2% | +0.3% | +0.2% | +0.2% | -0.1% |
| Jan 2026 | +0.4% | +0.2% | 0.0% | +1.5% | -0.2% |
| Feb 2026 | +0.4% | +0.7% | -0.2% | +0.6% | +0.5% |
| Feb 2026 | +0.3% | +0.2% | -0.3% | +1.7% | -0.7% |
| Feb 2026 | -5.0% | -0.9% | +0.5% | -2.2% | +0.2% |
| Feb 2026 | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Feb 2026 | +156.2% | 0.0% | 0.0% | 0.0% | 0.0% |
| Feb 2026 | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Feb 2026 | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Feb 2026 | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Feb 2026 | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Feb 2026 | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Feb 2026 | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Feb 2026 | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Feb 2026 | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Feb 2026 | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Feb 2026 | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Feb 2026 | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Feb 2026 | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Feb 2026 | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Feb 2026 | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Feb 2026 | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Mar 2026 | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Mar 2026 | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Mar 2026 | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Mar 2026 | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Mar 2026 | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Mar 2026 | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Mar 2026 | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Mar 2026 | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Mar 2026 | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Mar 2026 | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Mar 2026 | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Mar 2026 | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Mar 2026 | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Mar 2026 | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Mar 2026 | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Mar 2026 | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Mar 2026 | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Mar 2026 | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Mar 2026 | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Mar 2026 | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Mar 2026 | +0.1% | 0.0% | 0.0% | 0.0% | 0.0% |
| Mar 2026 | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Apr 2026 | +0.2% | 0.0% | 0.0% | 0.0% | 0.0% |
| Apr 2026 | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Apr 2026 | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Apr 2026 | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Apr 2026 | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Apr 2026 | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Apr 2026 | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Apr 2026 | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Apr 2026 | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Apr 2026 | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Apr 2026 | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Apr 2026 | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Apr 2026 | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Apr 2026 | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Apr 2026 | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Apr 2026 | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Apr 2026 | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Apr 2026 | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| May 2026 | +0.1% | 0.0% | 0.0% | 0.0% | 0.0% |
| May 2026 | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| May 2026 | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| May 2026 | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| May 2026 | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| May 2026 | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| May 2026 | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| May 2026 | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| May 2026 | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| May 2026 | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| May 2026 | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| May 2026 | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| May 2026 | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| May 2026 | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| May 2026 | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| May 2026 | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| May 2026 | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| May 2026 | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| May 2026 | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| May 2026 | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| May 2026 | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Jun 2026 | +0.2% | 0.0% | 0.0% | 0.0% | 0.0% |
| Jun 2026 | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Jun 2026 | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Jun 2026 | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Jun 2026 | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Jun 2026 | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Jun 2026 | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Jun 2026 | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Jun 2026 | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Jun 2026 | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Jul 2026 | +0.2% | 0.0% | 0.0% | 0.0% | 0.0% |
| Jul 2026 | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Jul 2026 | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Jul 2026 | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Jul 2026 | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Jul 2026 | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Jul 2026 | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Jul 2026 | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Jul 2026 | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Jul 2026 | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Jul 2026 | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Jul 2026 | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Aug 2026 | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Aug 2026 | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Aug 2026 | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Aug 2026 | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Aug 2026 | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Aug 2026 | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Aug 2026 | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Aug 2026 | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Aug 2026 | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Aug 2026 | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Sep 2026 | +0.1% | 0.0% | 0.0% | 0.0% | 0.0% |
| Sep 2026 | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Sep 2026 | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Sep 2026 | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Sep 2026 | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Sep 2026 | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Sep 2026 | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Sep 2026 | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Sep 2026 | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Sep 2026 | +0.1% | 0.0% | 0.0% | 0.0% | 0.0% |
| Oct 2026 | +0.1% | 0.0% | 0.0% | 0.0% | 0.0% |
| TOTAL | +98.4% | +5.8% | +5.1% | +9.3% | +4.8% |
Best Month
+156.2%
Feb 2026
Worst Month
-60.6%
Oct 2025
Positive Months
58/208
months positive
Key Takeaways
Winners
- SCHD (Schwab U.S. Dividend Equity ETF) is the clear standout with 9.4% total return, significantly outpacing peers while maintaining a reasonable 3.13% yield. This strong performance likely reflects broad dividend stock appreciation and the quality of underlying holdings in the core dividend equity space.
Disappointments
- The portfolio's 3.24% total return over 320 days (annualized ~3.7%) lags typical equity market performance despite a 100% win rate across holdings. The negative Sharpe Ratio (-1.81) reveals poor risk-adjusted returns—the modest gains don't adequately compensate for volatility exposure. JEPI's lower 5.1% return is concerning given its highest yield (7.97%), suggesting the premium income strategy captured less capital appreciation than expected.
The thesis:
This is a conservative income portfolio with a defensive tilt that prioritizes yield stability over total return. The balanced 4-ETF construction reduces single-security risk, but the overall thesis shows weakness: returns are underwhelming for a growth period, the high yield focus hasn't translated to compelling total returns, and the negative risk-adjusted performance suggests investors are accepting volatility without adequate compensation. Better suited for retirees needing immediate cash flow than growth-oriented investors.