What if we invested $100,000 5 years ago?
Apply this model portfolio’s allocations at the start, reinvest each holding’s distributions, and hold without rebalancing or adding money.
View model portfolio & allocationsThis exact portfolio could not be bought in full 5 years ago. $55,506 (55.51%) stays in cash at 0% until the newer funds have a market price: CLOZ — $10,000 invested Jan 24, 2023; JBBB — $10,000 invested Jan 12, 2022; EARN — $10,000 invested Apr 1, 2025; HERZ — $10,000 invested Jul 7, 2025; SPMC — $8,371 invested Jun 14, 2024; CCIF — $7,135 invested Jul 27, 2023. The result below includes this cash assumption.
See each holding’s contribution · 11 investments
Starting dollar allocations match the model portfolio below. Contribution is each holding’s gain or loss divided by the full $100,000 budget; it adds up to the portfolio return.
| Holding | Starting allocation | Invested on | Ending value | Gain / loss | Contribution |
|---|---|---|---|---|---|
| CLOZEldridge BBB-B CLO ETF | $10,00010% | Jan 24, 2023Cash at 0% until this date | $14,233 | +$4,233 | +4.23 pp |
| JBBBJanus Henderson B-BBB CLO ETF | $10,00010% | Jan 12, 2022Cash at 0% until this date | $13,074 | +$3,074 | +3.07 pp |
| EARNEllington Credit Company | $10,00010% | Apr 1, 2025Cash at 0% until this date | $8,235 | −$1,765 | -1.77 pp |
| HERZHerzfeld Credit Income Fund | $10,00010% | Jul 7, 2025Cash at 0% until this date | $11,773 | +$1,773 | +1.77 pp |
| EICEagle Point Income Company | $10,00010% | Oct 11, 2021 | $8,723 | −$1,277 | -1.28 pp |
| XFLTXAI Octagon Floating Rate & Alternative Income Term Trust | $10,00010% | Oct 11, 2021 | $8,688 | −$1,312 | -1.31 pp |
| OXLCOxford Lane Capital Corp. | $8,6008.6% | Oct 11, 2021 | $5,572 | −$3,028 | -3.03 pp |
| ECCEagle Point Credit Company | $8,5918.591% | Oct 11, 2021 | $5,282 | −$3,309 | -3.31 pp |
| SPMCSound Point Meridian Capital | $8,3718.371% | Jun 14, 2024Cash at 0% until this date | $4,957 | −$3,414 | -3.41 pp |
| OCCIOFS Credit Company | $7,3037.303% | Oct 11, 2021 | $3,146 | −$4,157 | -4.16 pp |
| CCIFCarlyle Credit Income Fund | $7,1357.135% | Jul 27, 2023Cash at 0% until this date | $3,912 | −$3,223 | -3.22 pp |
| Portfolio total | $100,000 | Oct 11, 2021 | $87,595 | −$12,405 | -12.41% |
Hypothetical hindsight illustration using this plan’s selected holdings and allocation weights. It is not the creator’s actual historical portfolio or a live performance record. Each position’s ending value is its initial allocation × ending adjusted close ÷ purchase-date adjusted close. Distributions are reinvested in the same security; no rebalancing, withdrawals or new contributions. Fractional shares are assumed. Personal taxes and transaction costs are excluded; fund expenses are reflected in market-price performance.
The window ends on the latest verified session shared by all holdings and begins on the first matched trading session on or after its 5-year anniversary. International comparisons require same-date prices and exchange rates. Chart points use dates with prices for every invested holding. Dollar values are rounded for display; totals use unrounded values. New funds use their first available market close, which can follow the issuer’s inception date. Return methodology
All holdings checked Oct 10, 2026.
Live CLO Experimental KISS & DRIP — $100K Plan
11 investments with varied weights, fully allocating $100,000.
All 11 positions in the experimental CLO source, with relative account sizes adapted to the 1–10% limits. The source describes a demonstration, not a recommendation.
Source as of Aug 27, 2026 · Plan prepared Sep 25, 2026Source position sizes · 20-holding maximum · 1–10% limits
A smaller selection from the source
11 of the 11 source positions are included. Source asset-class labels and dated metrics remain intact.
Varied position sizes
Retain up to the 20 largest source positions, breaking ties by ticker, and use their market values as relative allocation priorities. Scale the relative priorities proportionally, holding each position between 1% and 10%. Redistribute the remaining budget among positions inside those limits. Round to whole dollars using largest fractional remainders, with ticker order breaking ties.
A fully assigned $100,000
Each investment receives between $1,000 and $10,000. These target weights adapt the source to your limits; they do not reproduce the creator’s full account.
Allocation by source asset class
- CLO portfolio$100,000100%
Position size does not measure risk. Funds can share managers and underlying exposures.
Income at the spreadsheet’s rates
Each target allocation is multiplied by the sheet’s individual distribution yield on market price. The main source rates are dated Aug 27, 2026. This is an illustration, not a forecast or guaranteed income. The monthly figure is the annual total divided by 12, not a payment schedule. Distributions may change or include return of capital.
Source consistency. Scaling the sheet’s separate annual-income amounts would give $16,847 per year. Those figures do not exactly reconcile with its yield column. This plan consistently uses the stated yield column; the download includes both source fields for review.
11 holdings & allocations
Source position sizes · 20-holding maximum · 1–10% limits. Amounts are dollar targets before fees, taxes and share rounding.
11 of 11 holdings · Every amount is a proposed allocation in USD.
| Investment | Weight | Amount to invest | Why this allocation |
|---|---|---|---|
| 10% | $10,0006.3% source yield $630/year at source rate | Source row 4. Source position value: $4,259. This sets its relative priority before the 1–10% limits. What to watchMarket losses, concentration, leverage where used, changing distributions and overlapping underlying investments. Research source | |
| 10% | $10,00021.5% source yield $2,150/year at source rate | Source row 5. Source position value: $3,638. This sets its relative priority before the 1–10% limits. What to watchMarket losses, concentration, leverage where used, changing distributions and overlapping underlying investments. Research source | |
| 10% | $10,00013.2% source yield $1,320/year at source rate | Source row 7. Source position value: $3,382. This sets its relative priority before the 1–10% limits. What to watchMarket losses, concentration, leverage where used, changing distributions and overlapping underlying investments. Research source | |
| 10% | $10,00012.6% source yield $1,260/year at source rate | Source row 8. Source position value: $3,467. This sets its relative priority before the 1–10% limits. What to watchMarket losses, concentration, leverage where used, changing distributions and overlapping underlying investments. Research source | |
| 10% | $10,0005.7% source yield $570/year at source rate | Source row 9. Source position value: $4,235. This sets its relative priority before the 1–10% limits. What to watchMarket losses, concentration, leverage where used, changing distributions and overlapping underlying investments. Research source | |
| 10% | $10,00013.9% source yield $1,390/year at source rate | Source row 13. Source position value: $3,315. This sets its relative priority before the 1–10% limits. What to watchMarket losses, concentration, leverage where used, changing distributions and overlapping underlying investments. Research source | |
| 8.6% | $8,60024.9% source yield $2,141/year at source rate | Source row 11. Source position value: $2,659. This sets its relative priority before the 1–10% limits. What to watchMarket losses, concentration, leverage where used, changing distributions and overlapping underlying investments. Research source | |
| 8.591% | $8,59118.9% source yield $1,624/year at source rate | Source row 6. Source position value: $2,656. This sets its relative priority before the 1–10% limits. What to watchMarket losses, concentration, leverage where used, changing distributions and overlapping underlying investments. Research source | |
| 8.371% | $8,37126.2% source yield $2,193/year at source rate | Source row 12. Source position value: $2,588. This sets its relative priority before the 1–10% limits. What to watchMarket losses, concentration, leverage where used, changing distributions and overlapping underlying investments. Research source | |
| 7.303% | $7,30322.8% source yield $1,665/year at source rate | Source row 10. Source position value: $2,258. This sets its relative priority before the 1–10% limits. What to watchMarket losses, concentration, leverage where used, changing distributions and overlapping underlying investments. Research source | |
| 7.135% | $7,13526.7% source yield $1,905/year at source rate | Source row 3. Source position value: $2,206. This sets its relative priority before the 1–10% limits. What to watchMarket losses, concentration, leverage where used, changing distributions and overlapping underlying investments. Research source | |
| Total allocation | 100% | $100,000 | 11 holdings · Fully allocated |
Sources & assumptions
Saved snapshot. This page uses the source captured September 22, 2026. It does not track future spreadsheet edits automatically. The eight sheets have different effective dates and should not be read as a synchronized set of accounts.
Historical comparison. The comparison above applies these target holdings to historical market prices with distributions reinvested. The live sheets may include earlier holdings in their reported returns. This comparison does not reconstruct Steve’s transactions or those replacement chains.
Separate budgets. Each active plan uses its own $100,000 budget. These are alternative allocations with overlapping holdings. No trades have been placed.
The archived original $1M plan
The original $1M selections, weights, rationale and concentration limits remain unchanged for historical comparison.
View original AI recommendation