Live KISS & DRIP Core — $100K Plan · 5-year lookback

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 & allocations

Oct 11, 2021 – Oct 9, 2026Latest available completed session · Cash-until-launch scenario

This exact portfolio could not be bought in full 5 years ago. $25,855 (25.86%) stays in cash at 0% until the newer funds have a market price: RLTY — $7,399 invested Feb 24, 2022; FSCO — $6,578 invested Nov 14, 2022; PBDC — $6,380 invested Sep 30, 2022; NCDL — $5,498 invested Jan 25, 2024. The result below includes this cash assumption.

Your $100,000 becomes$148,841Portfolio value at the end

Total gain / loss+$48,841After reinvesting distributions

5-year total return+48.84%Gain / loss ÷ $100,000

Same investment in S&P 500$191,499SPY · +91.50% · same dates

This plan + cash until launchS&P 500 (SPY)

See each holding’s contribution · 14 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.

Position values and contributions for the 5-year portfolio lookback
Holding	Starting allocation	Invested on	Ending value	Gain / loss	Contribution
NMLNeuberger Energy Infrastructure and Income Fund	$9,8489.848%	Oct 11, 2021	$28,104	+$18,256	+18.26 pp
UTGReaves Utility Income Fund	$9,6679.667%	Oct 11, 2021	$15,405	+$5,738	+5.74 pp
NIEVirtus Equity & Convertible Income Fund	$8,8648.864%	Oct 11, 2021	$14,180	+$5,316	+5.32 pp
UTFCohen & Steers Infrastructure	$7,8357.835%	Oct 11, 2021	$10,576	+$2,741	+2.74 pp
KIOKKR Income Opportunities Fund	$7,5257.525%	Oct 11, 2021	$8,151	+$626	+0.63 pp
RLTYCohen & Steers Real Estate Opportunities & Income Fund	$7,3997.399%	Feb 24, 2022Cash at 0% until this date	$7,663	+$264	+0.26 pp
ASGLiberty All-Star Growth Fund	$7,3487.348%	Oct 11, 2021	$6,812	−$536	-0.54 pp
BBDCBarings BDC	$7,3427.342%	Oct 11, 2021	$9,830	+$2,488	+2.49 pp
FSCOFS Credit Opportunities Corp.	$6,5786.578%	Nov 14, 2022Cash at 0% until this date	$11,920	+$5,342	+5.34 pp
BIZDVanEck BDC Income ETF	$6,3806.38%	Oct 11, 2021	$7,775	+$1,395	+1.39 pp
PBDCPutnam BDC Income	$6,3806.38%	Sep 30, 2022Cash at 0% until this date	$9,770	+$3,390	+3.39 pp
NCDLNuveen Churchill Direct Lending Corp.	$5,4985.498%	Jan 25, 2024Cash at 0% until this date	$4,681	−$817	-0.82 pp
FSKFS KKR Capital Corp.	$5,1435.143%	Oct 11, 2021	$5,105	−$38	-0.04 pp
NXGNXG NextGen Infrastructure Income Fund	$4,1934.193%	Oct 11, 2021	$8,869	+$4,676	+4.68 pp
Portfolio total	$100,000	Oct 11, 2021	$148,841	+$48,841	+48.84%

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.

Based on your Income Factory spreadsheet

Live KISS & DRIP Core — $100K Plan

14 investments with varied weights, fully allocating $100,000.

All 14 positions in the simplified Core source, with relative account sizes adapted to the 1–10% limits.

See all 14 allocations Download allocations

Source as of Aug 18, 2026 · Plan prepared Sep 25, 2026

How the $100K plan is calculated

Source position sizes · 20-holding maximum · 1–10% limits

A smaller selection from the source

14 of the 14 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. The sheet’s printed total is $33,246, while its holding rows sum to $33,247. Original source fields remain available in the download.

Where the capital goes

Allocation by source asset class

Util & Infra$31,54331.543%
BDC$17,98317.983%
BDC ETF$12,76012.76%
Hybrid$8,8648.864%
High Yield$7,5257.525%
Real Estate$7,3997.399%
Equity$7,3487.348%
Senior Loan$6,5786.578%

Position size does not measure risk. Funds can share managers and underlying exposures.

Dated spreadsheet income data

Income at the spreadsheet’s rates

9.75%Weighted source distribution rate

$9,749Annualized at source rates

$812Monthly equivalent

Each target allocation is multiplied by the sheet’s individual distribution yield on market price. The main source rates are dated Aug 18, 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 $9,757 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.

The $100,000 plan

14 holdings & allocations

Source position sizes · 20-holding maximum · 1–10% limits. Amounts are dollar targets before fees, taxes and share rounding.

14 of 14 holdings · Every amount is a proposed allocation in USD.

Proposed holdings, percentage allocations, dollar amounts and selection rationale
Investment	Weight	Amount to invest	Why this allocation
NMLNeuberger Energy Infrastructure and Income Fund CEFUtil & Infra	9.848%	$9,8487.8% source yield $768/year at source rate	Source row 10. Source position value: $3,274. This sets its relative priority before the 1–10% limits. What to watch Market losses, concentration, leverage where used, changing distributions and overlapping underlying investments. Research source
UTGReaves Utility Income Fund CEFUtil & Infra	9.667%	$9,6676.3% source yield $609/year at source rate	Source row 15. Source position value: $3,214. This sets its relative priority before the 1–10% limits. What to watch Market losses, concentration, leverage where used, changing distributions and overlapping underlying investments. Research source
NIEVirtus Equity & Convertible Income Fund CEFHybrid	8.864%	$8,8648.7% source yield $771/year at source rate	Source row 9. Source position value: $2,947. This sets its relative priority before the 1–10% limits. What to watch Market losses, concentration, leverage where used, changing distributions and overlapping underlying investments. Research source
UTFCohen & Steers Infrastructure CEFUtil & Infra	7.835%	$7,8357.3% source yield $572/year at source rate	Source row 14. Source position value: $2,605. This sets its relative priority before the 1–10% limits. What to watch Market losses, concentration, leverage where used, changing distributions and overlapping underlying investments. Research source
KIOKKR Income Opportunities Fund CEFHigh Yield	7.525%	$7,52513.2% source yield $993/year at source rate	Source row 7. Source position value: $2,502. This sets its relative priority before the 1–10% limits. What to watch Market losses, concentration, leverage where used, changing distributions and overlapping underlying investments. Research source
RLTYCohen & Steers Real Estate Opportunities & Income Fund CEFReal Estate	7.399%	$7,3998.4% source yield $622/year at source rate	Source row 13. Source position value: $2,460. This sets its relative priority before the 1–10% limits. What to watch Property-market weakness, interest rates, leverage and real-estate credit or equity losses. Research source
ASG ASGLiberty All-Star Growth Fund CEFEquity	7.348%	$7,3488.9% source yield $654/year at source rate	Source row 2. Source position value: $2,443. This sets its relative priority before the 1–10% limits. What to watch Equity-market losses, portfolio concentration and distributions that may include capital gains or return of capital. Research source
BBDCBarings BDC BDCBDC	7.342%	$7,34211.0% source yield $808/year at source rate	Source row 3. Source position value: $2,441. This sets its relative priority before the 1–10% limits. What to watch Private-company defaults, non-accruals, leverage and changes to regular or supplemental dividends. Research source
FSCOFS Credit Opportunities Corp. CEFSenior Loan	6.578%	$6,57814.1% source yield $927/year at source rate	Source row 5. Source position value: $2,187. This sets its relative priority before the 1–10% limits. What to watch Borrower defaults and leverage. Falling base rates can reduce floating-rate income. Research source
BIZDVanEck BDC Income ETF ETFBDC ETF	6.38%	$6,3807.3% source yield $466/year at source rate	Source row 4. Source position value: $2,121. This sets its relative priority before the 1–10% limits. What to watch Market losses, concentration, leverage where used, changing distributions and overlapping underlying investments. Research source
PBDCPutnam BDC Income ETFBDC ETF	6.38%	$6,3809.9% source yield $632/year at source rate	Source row 12. Source position value: $2,121. This sets its relative priority before the 1–10% limits. What to watch Market losses, concentration, leverage where used, changing distributions and overlapping underlying investments. Research source
NCDLNuveen Churchill Direct Lending Corp. BDCBDC	5.498%	$5,49812.3% source yield $676/year at source rate	Source row 8. Source position value: $1,828. This sets its relative priority before the 1–10% limits. What to watch Private-company defaults, non-accruals, leverage and changes to regular or supplemental dividends. Research source
FSKFS KKR Capital Corp. BDCBDC	5.143%	$5,14314.7% source yield $756/year at source rate	Source row 6. Source position value: $1,710. This sets its relative priority before the 1–10% limits. What to watch Private-company defaults, non-accruals, leverage and changes to regular or supplemental dividends. Research source
NXG NXGNXG NextGen Infrastructure Income Fund CEFUtil & Infra	4.193%	$4,19311.8% source yield $495/year at source rate	Source row 11. Source position value: $1,394. This sets its relative priority before the 1–10% limits. What to watch Market losses, concentration, leverage where used, changing distributions and overlapping underlying investments. Research source
Total allocation	100%	$100,000	14 holdings · Fully allocated

Source trail

Sources & assumptions

Live KISS & DRIP Core spreadsheetKISS & DRIP CORE "LIVE" PORTFOLIO (8/18/2026). “Sheet1”, rows 2–15. Saved September 22, 2026.

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.

Holding changes. The source records KIO replacing MPV, NCDL replacing BGX and NXG replacing XFLT. The old positions are not added as current holdings.

Separate budgets. Each active plan uses its own $100,000 budget. These are alternative allocations with overlapping holdings. No trades have been placed.

Saved original plan · September 20, 2026

The archived original $1M plan

The original $1M selections, weights, rationale and concentration limits remain unchanged for historical comparison.

View original AI recommendation