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. $30,831 (30.83%) stays in cash at 0% until the newer funds have a market price: PBDC — $5,773 invested Sep 30, 2022; PAXS — $5,742 invested Jan 27, 2022; FSCO — $5,649 invested Nov 14, 2022; EARN — $3,560 invested Apr 1, 2025; NCDL — $3,529 invested Jan 25, 2024; MEGI — $3,297 invested Oct 27, 2021; OTF — $3,281 invested Jun 12, 2025. 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 |
|---|---|---|---|---|---|
| KIOKKR Income Opportunities Fund | $6,3926.392% | Oct 11, 2021 | $6,924 | +$532 | +0.53 pp |
| BBDCBarings BDC | $6,2996.299% | Oct 11, 2021 | $8,433 | +$2,134 | +2.13 pp |
| JFRNuveen Floating Rate Income Fund | $6,2846.284% | Oct 11, 2021 | $8,013 | +$1,729 | +1.73 pp |
| EICEagle Point Income Company | $6,0986.098% | Oct 11, 2021 | $5,319 | −$779 | -0.78 pp |
| PBDCPutnam BDC Income | $5,7735.773% | Sep 30, 2022Cash at 0% until this date | $8,840 | +$3,067 | +3.07 pp |
| PAXSPIMCO Access Income Fund | $5,7425.742% | Jan 27, 2022Cash at 0% until this date | $6,586 | +$844 | +0.84 pp |
| FSCOFS Credit Opportunities Corp. | $5,6495.649% | Nov 14, 2022Cash at 0% until this date | $10,237 | +$4,588 | +4.59 pp |
| BCSFBain Capital Specialty Finance | $5,5575.557% | Oct 11, 2021 | $7,042 | +$1,485 | +1.48 pp |
| PDIPIMCO Dynamic Income Fund | $5,4795.479% | Oct 11, 2021 | $5,954 | +$475 | +0.48 pp |
| CIIBlackRock Enhanced Large Cap Core Fund, Inc. | $5,4645.464% | Oct 11, 2021 | $10,418 | +$4,954 | +4.95 pp |
| TYGTortoise Energy Infrastructure Corporation | $4,8754.875% | Oct 11, 2021 | $10,981 | +$6,106 | +6.11 pp |
| ADXAdams Diversified Equity | $4,7984.798% | Oct 11, 2021 | $9,482 | +$4,684 | +4.68 pp |
| FSKFS KKR Capital Corp. | $4,7674.767% | Oct 11, 2021 | $4,732 | −$35 | -0.04 pp |
| SRVNXG Cushing Midstream Energy Fund | $4,7674.767% | Oct 11, 2021 | $12,153 | +$7,386 | +7.39 pp |
| JRINuveen Real Asset Income and Growth Fund | $4,2874.287% | Oct 11, 2021 | $5,048 | +$761 | +0.76 pp |
| GOFGuggenheim Strategic Opportunities Fund | $4,1024.102% | Oct 11, 2021 | $3,715 | −$387 | -0.39 pp |
| EARNEllington Credit Company | $3,5603.56% | Apr 1, 2025Cash at 0% until this date | $2,932 | −$628 | -0.63 pp |
| NCDLNuveen Churchill Direct Lending Corp. | $3,5293.529% | Jan 25, 2024Cash at 0% until this date | $3,005 | −$524 | -0.52 pp |
| MEGINYLI CBRE Global Infrastructure Megatrends Term Fund | $3,2973.297% | Oct 27, 2021Cash at 0% until this date | $3,683 | +$386 | +0.39 pp |
| OTFBlue Owl Technology Finance Corp. | $3,2813.281% | Jun 12, 2025Cash at 0% until this date | $2,240 | −$1,041 | -1.04 pp |
| Portfolio total | $100,000 | Oct 11, 2021 | $135,736 | +$35,736 | +35.74% |
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.
Steve’s Personal Portfolio — $100K Plan
20 investments with varied weights, fully allocating $100,000.
The 20 largest positions in Steve’s 70-position disclosure, with published percentages used as priorities within the 1–10% limits. This adaptation is not Steve’s full account.
Source as of Sep 1, 2026 · Plan prepared Sep 25, 2026Published weight priorities · 20-holding maximum · 1–10% limits
A smaller selection from the source
20 of the 70 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 the published percentages 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
- BDC$29,20629.206%
- Senior Loan$18,32518.325%
- Utility/Infra$12,93912.939%
- High Yield$11,22111.221%
- Equity$9,0859.085%
- CLO Blend$6,0986.098%
- Covered Call$5,4645.464%
- Multi-Sector Bond$4,1024.102%
- CLO Equity$3,5603.56%
Position size does not measure risk. Funds can share managers and underlying exposures.
Income shares, not yields
The sheet’s “Est. Annual Income %” column is each holding’s share of total portfolio income. It does not supply a distribution yield or an overall income amount. The plan therefore shows income contribution shares but does not calculate annual or monthly dollar income.
20 holdings & allocations
Published weight priorities · 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 | Target weight | Amount to invest | Source & holding notes |
|---|---|---|---|
| 6.392%Published 4.13% | $6,3923.72% of source portfolio income (income share, not yield) | Source row 63. Published market-value weight: 4.13%. 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 | |
| 6.299%Published 4.07% | $6,2993.24% of source portfolio income (income share, not yield) | Source row 3. Published market-value weight: 4.07%. 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 | |
| 6.284%Published 4.06% | $6,2843.69% of source portfolio income (income share, not yield) | Source row 62. Published market-value weight: 4.06%. 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 | |
| 6.098%Published 3.94% | $6,0983.88% of source portfolio income (income share, not yield) | Source row 14. Published market-value weight: 3.94%. This sets its relative priority before the 1–10% limits. What to watchStructured-credit losses, lower-rated CLO debt, equity exposure and leverage. Research source | |
| 5.773%Published 3.73% | $5,7732.72% of source portfolio income (income share, not yield) | Source row 12. Published market-value weight: 3.73%. 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 | |
| 5.742%Published 3.71% | $5,7423.33% of source portfolio income (income share, not yield) | Source row 49. Published market-value weight: 3.71%. 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 | |
| 5.649%Published 3.65% | $5,6493.59% of source portfolio income (income share, not yield) | Source row 60. Published market-value weight: 3.65%. 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 | |
| 5.557%Published 3.59% | $5,5573.64% of source portfolio income (income share, not yield) | Source row 4. Published market-value weight: 3.59%. 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 | |
| 5.479%Published 3.54% | $5,4794.77% of source portfolio income (income share, not yield) | Source row 50. Published market-value weight: 3.54%. 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 | |
| 5.464%Published 3.53% | $5,4644.08% of source portfolio income (income share, not yield) | Source row 25. Published market-value weight: 3.53%. 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 | |
| 4.875%Published 3.15% | $4,8752.94% of source portfolio income (income share, not yield) | Source row 70. Published market-value weight: 3.15%. 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 | |
| 4.798%Published 3.10% | $4,7981.59% of source portfolio income (income share, not yield) | Source row 33. Published market-value weight: 3.10%. 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 | |
| 4.767%Published 3.08% | $4,7673.64% of source portfolio income (income share, not yield) | Source row 6. Published market-value weight: 3.08%. 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 | |
| 4.767%Published 3.08% | $4,7674.07% of source portfolio income (income share, not yield) | Source row 69. Published market-value weight: 3.08%. 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 | |
| 4.287%Published 2.77% | $4,2872.82% of source portfolio income (income share, not yield) | Source row 38. Published market-value weight: 2.77%. 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 | |
| 4.102%Published 2.65% | $4,1024.75% of source portfolio income (income share, not yield) | Source row 55. Published market-value weight: 2.65%. 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 | |
| 3.56%Published 2.30% | $3,5603.58% of source portfolio income (income share, not yield) | Source row 19. Published market-value weight: 2.30%. 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 | |
| 3.529%Published 2.28% | $3,5291.75% of source portfolio income (income share, not yield) | Source row 8. Published market-value weight: 2.28%. 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 | |
| 3.297%Published 2.13% | $3,2971.69% of source portfolio income (income share, not yield) | Source row 66. Published market-value weight: 2.13%. 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 | |
| 3.281%Published 2.12% | $3,2811.98% of source portfolio income (income share, not yield) | Source row 10. Published market-value weight: 2.12%. 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 | |
| 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.
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