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. $10,233 (10.23%) stays in cash at 0% until the newer funds have a market price: FSCO — $5,216 invested Nov 14, 2022; PBDC — $5,017 invested Sep 30, 2022. The result below includes this cash assumption.
See each holding’s contribution · 20 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 |
|---|---|---|---|---|---|
| FSKFS KKR Capital Corp. | $5,5995.599% | Oct 11, 2021 | $5,558 | −$41 | -0.04 pp |
| OXLCOxford Lane Capital Corp. | $5,4035.403% | Oct 11, 2021 | $3,500 | −$1,903 | -1.90 pp |
| FSCOFS Credit Opportunities Corp. | $5,2165.216% | Nov 14, 2022Cash at 0% until this date | $9,452 | +$4,236 | +4.24 pp |
| NMLNeuberger Energy Infrastructure and Income Fund | $5,0585.058% | Oct 11, 2021 | $14,435 | +$9,377 | +9.38 pp |
| ECCEagle Point Credit Company | $5,0485.048% | Oct 11, 2021 | $3,103 | −$1,945 | -1.94 pp |
| PDXPIMCO Dynamic Income Strategy Fund | $5,0465.046% | Oct 11, 2021 | $12,946 | +$7,900 | +7.90 pp |
| BBDCBarings BDC | $5,0205.02% | Oct 11, 2021 | $6,721 | +$1,701 | +1.70 pp |
| PBDCPutnam BDC Income | $5,0175.017% | Sep 30, 2022Cash at 0% until this date | $7,683 | +$2,666 | +2.67 pp |
| BIZDVanEck BDC Income ETF | $4,9724.972% | Oct 11, 2021 | $6,059 | +$1,087 | +1.09 pp |
| ETVEaton Vance Tax-Managed Buy-Write Opportunities Fund | $4,9654.965% | Oct 11, 2021 | $7,163 | +$2,198 | +2.20 pp |
| ADXAdams Diversified Equity | $4,9494.949% | Oct 11, 2021 | $9,781 | +$4,832 | +4.83 pp |
| BDJBlackRock Enhanced Equity Dividend Trust | $4,9464.946% | Oct 11, 2021 | $7,499 | +$2,553 | +2.55 pp |
| EXGEaton Vance Tax-Managed Global Diversified Equity Income Fund | $4,9394.939% | Oct 11, 2021 | $7,151 | +$2,212 | +2.21 pp |
| NFJVirtus Dividend, Interest & Premium Strategy Fund | $4,9044.904% | Oct 11, 2021 | $7,399 | +$2,495 | +2.50 pp |
| BGHBarings Global Short Duration High Yield Fund | $4,8574.857% | Oct 11, 2021 | $6,109 | +$1,252 | +1.25 pp |
| QQQXNuveen Nasdaq 100 Dynamic Overwrite Fund | $4,8524.852% | Oct 11, 2021 | $7,885 | +$3,033 | +3.03 pp |
| SPESpecial Opportunities Fund | $4,8494.849% | Oct 11, 2021 | $6,729 | +$1,880 | +1.88 pp |
| BRWSaba Capital Income & Opportunities Fund | $4,8074.807% | Oct 11, 2021 | $6,096 | +$1,289 | +1.29 pp |
| TYGTortoise Energy Infrastructure Corporation | $4,7794.779% | Oct 11, 2021 | $10,765 | +$5,986 | +5.99 pp |
| JFRNuveen Floating Rate Income Fund | $4,7744.774% | Oct 11, 2021 | $6,087 | +$1,313 | +1.31 pp |
| Portfolio total | $100,000 | Oct 11, 2021 | $152,121 | +$52,121 | +52.12% |
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 Core Model — $100K Plan
20 investments with varied weights, fully allocating $100,000.
The 20 largest positions in the saved Fidelity Core account, adapted to the 1–10% position limits.
Source as of Sep 4, 2026 · Plan prepared Sep 25, 2026Source position sizes · 20-holding maximum · 1–10% limits
A smaller selection from the source
20 of the 40 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 $81,381, while its holding rows sum to $81,377. Original source fields remain available in the download.
Allocation by source asset class
- Eq Covered Call$24,60624.606%
- BDC$20,60820.608%
- CLO Equity$10,45110.451%
- Senior Loan$9,9909.99%
- Eq Util & Infra$9,8379.837%
- Hybrid/Bond$5,0465.046%
- Equity$4,9494.949%
- HY Bond$4,8574.857%
- Equity - Special$4,8494.849%
- HY Bond - Special$4,8074.807%
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 Sep 4, 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 $11,378 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.
20 holdings & allocations
Source position sizes · 20-holding maximum · 1–10% limits. Amounts are dollar targets before fees, taxes and share rounding.
20 of 20 holdings · Every amount is a proposed allocation in USD.
| Investment | Weight | Amount to invest | Why this allocation |
|---|---|---|---|
| 5.599% | $5,59914.1% source yield $789/year at source rate | Source row 21. Source position value: $2,367. This sets its relative priority before the 1–10% limits. What to watchPrivate-company defaults, non-accruals, leverage and changes to regular or supplemental dividends. Research source | |
| 5.403% | $5,40324.8% source yield $1,340/year at source rate | Source row 30. Source position value: $2,284. This sets its relative priority before the 1–10% limits. What to watchCLO equity absorbs losses before debt holders. Distributions and capital values can fall sharply. Research source | |
| 5.216% | $5,21613.6% source yield $709/year at source rate | Source row 20. Source position value: $2,205. This sets its relative priority before the 1–10% limits. What to watchBorrower defaults and leverage. Falling base rates can reduce floating-rate income. Research source | |
| 5.058% | $5,0587.9% source yield $400/year at source rate | Source row 28. Source position value: $2,138. This sets its relative priority before the 1–10% limits. What to watchSector concentration, interest rates, leverage and distribution coverage. Research source | |
| 5.048% | $5,04818.4% source yield $929/year at source rate | Source row 15. Source position value: $2,134. This sets its relative priority before the 1–10% limits. What to watchCLO equity absorbs losses before debt holders. Distributions and capital values can fall sharply. Research source | |
| 5.046% | $5,0467.1% source yield $358/year at source rate | Source row 33. Source position value: $2,133. This sets its relative priority before the 1–10% limits. What to watchMixed credit and equity exposures, leverage, strategy changes and distribution coverage. Research source | |
| 5.02% | $5,02011.5% source yield $577/year at source rate | Source row 6. Source position value: $2,122. This sets its relative priority before the 1–10% limits. What to watchPrivate-company defaults, non-accruals, leverage and changes to regular or supplemental dividends. Research source | |
| 5.017% | $5,0179.9% source yield $497/year at source rate | Source row 32. Source position value: $2,121. This sets its relative priority before the 1–10% limits. What to watchPrivate-company defaults, non-accruals, leverage and changes to regular or supplemental dividends. Research source | |
| 4.972% | $4,9727.2% source yield $358/year at source rate | Source row 10. Source position value: $2,102. This sets its relative priority before the 1–10% limits. What to watchPrivate-company defaults, non-accruals, leverage and changes to regular or supplemental dividends. Research source | |
| 4.965% | $4,9657.8% source yield $387/year at source rate | Source row 17. Source position value: $2,099. This sets its relative priority before the 1–10% limits. What to watchEquity drawdowns, upside limited by written calls and variable distributions. Research source | |
| 4.949% | $4,9497.7% source yield $381/year at source rate | Source row 2. Source position value: $2,092. This sets its relative priority before the 1–10% limits. What to watchEquity-market losses, portfolio concentration and distributions that may include capital gains or return of capital. Research source | |
| 4.946% | $4,9467.3% source yield $361/year at source rate | Source row 8. Source position value: $2,091. This sets its relative priority before the 1–10% limits. What to watchEquity drawdowns, upside limited by written calls and variable distributions. Research source | |
| 4.939% | $4,9398.4% source yield $415/year at source rate | Source row 18. Source position value: $2,088. This sets its relative priority before the 1–10% limits. What to watchEquity drawdowns, upside limited by written calls and variable distributions. Research source | |
| 4.904% | $4,9047.9% source yield $387/year at source rate | Source row 27. Source position value: $2,073. This sets its relative priority before the 1–10% limits. What to watchEquity drawdowns, upside limited by written calls and variable distributions. Research source | |
| 4.857% | $4,85710.2% source yield $495/year at source rate | Source row 9. Source position value: $2,053. This sets its relative priority before the 1–10% limits. What to watchBorrower defaults, credit spreads, interest rates, leverage and distribution coverage. Research source | |
| 4.852% | $4,8529.7% source yield $471/year at source rate | Source row 36. Source position value: $2,051. This sets its relative priority before the 1–10% limits. What to watchEquity drawdowns, upside limited by written calls and variable distributions. Research source | |
| 4.849% | $4,8499.7% source yield $470/year at source rate | Source row 38. Source position value: $2,050. This sets its relative priority before the 1–10% limits. What to watchActivist and special-situation risks, underlying fund overlap and changing discounts. Research source | |
| 4.807% | $4,80716.6% source yield $798/year at source rate | Source row 11. Source position value: $2,032. This sets its relative priority before the 1–10% limits. What to watchBelow-investment-grade credit, special-situation positions, leverage and distribution coverage. Research source | |
| 4.779% | $4,77913.6% source yield $650/year at source rate | Source row 39. Source position value: $2,020. This sets its relative priority before the 1–10% limits. What to watchSector concentration, interest rates, leverage and distribution coverage. Research source | |
| 4.774% | $4,77412.6% source yield $602/year at source rate | Source row 23. Source position value: $2,018. This sets its relative priority before the 1–10% limits. What to watchBorrower defaults and leverage. Falling base rates can reduce floating-rate income. Research source | |
| Total allocation | 100% | $100,000 | 20 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.
Live Core source identity. This sheet lists ASG, while the separate Core Model replaces ASG with NIE. ASG remains in the saved source but falls outside this model’s 20 largest positions.
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