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. $3,774 (3.77%) stays in cash at 0% until the newer funds have a market price: NPFD — $3,774 invested Dec 16, 2021. 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 |
|---|---|---|---|---|---|
| ADXAdams Diversified Equity | $7,5477.547% | Oct 11, 2021 | $14,915 | +$7,368 | +7.37 pp |
| UTFCohen & Steers Infrastructure | $7,5477.547% | Oct 11, 2021 | $10,187 | +$2,640 | +2.64 pp |
| UTGReaves Utility Income Fund | $7,5477.547% | Oct 11, 2021 | $12,027 | +$4,480 | +4.48 pp |
| BDJBlackRock Enhanced Equity Dividend Trust | $6,6046.604% | Oct 11, 2021 | $10,012 | +$3,408 | +3.41 pp |
| CIIBlackRock Enhanced Large Cap Core Fund, Inc. | $6,6046.604% | Oct 11, 2021 | $12,591 | +$5,987 | +5.99 pp |
| ETGEaton Vance Tax-Advantaged Global Dividend Income Fund | $5,6605.66% | Oct 11, 2021 | $9,042 | +$3,382 | +3.38 pp |
| EVTEaton Vance Tax-Advantaged Dividend Income Fund | $5,6605.66% | Oct 11, 2021 | $8,408 | +$2,748 | +2.75 pp |
| EXGEaton Vance Tax-Managed Global Diversified Equity Income Fund | $5,6605.66% | Oct 11, 2021 | $8,195 | +$2,535 | +2.54 pp |
| GDVGabelli Dividend & Income Trust | $5,6605.66% | Oct 11, 2021 | $8,497 | +$2,837 | +2.84 pp |
| HTDJohn Hancock Tax-Advantaged Dividend Income Fund | $5,6605.66% | Oct 11, 2021 | $7,914 | +$2,254 | +2.25 pp |
| LGILazard Global Total Return and Income Fund | $5,6605.66% | Oct 11, 2021 | $7,926 | +$2,266 | +2.27 pp |
| RVTRoyce Small-Cap Trust | $4,7174.717% | Oct 11, 2021 | $6,805 | +$2,088 | +2.09 pp |
| EOIEaton Vance Enhanced Equity Income Fund | $3,7743.774% | Oct 11, 2021 | $6,211 | +$2,437 | +2.44 pp |
| ETYEaton Vance Tax-Managed Diversified Equity Income Fund | $3,7743.774% | Oct 11, 2021 | $5,781 | +$2,007 | +2.01 pp |
| NPFDNuveen Variable Rate Preferred & Income Fund | $3,7743.774% | Dec 16, 2021Cash at 0% until this date | $4,074 | +$300 | +0.30 pp |
| PFFAVirtus InfraCap U.S. Preferred Stock | $3,7743.774% | Oct 11, 2021 | $4,755 | +$981 | +0.98 pp |
| SCDLMP Capital and Income Fund | $3,7743.774% | Oct 11, 2021 | $6,172 | +$2,398 | +2.40 pp |
| EMOClearBridge Energy Midstream Opportunity Fund | $2,8302.83% | Oct 11, 2021 | $9,149 | +$6,319 | +6.32 pp |
| NMLNeuberger Energy Infrastructure and Income Fund | $1,8871.887% | Oct 11, 2021 | $5,385 | +$3,498 | +3.50 pp |
| STKColumbia Seligman Premium Technology Growth | $1,8871.887% | Oct 11, 2021 | $5,246 | +$3,359 | +3.36 pp |
| Portfolio total | $100,000 | Oct 11, 2021 | $163,292 | +$63,292 | +63.29% |
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.
Taxable Model — $100K Plan
20 investments with varied weights, fully allocating $100,000.
20 selections from the 26-company Taxable Model. Income Lens assigns larger anchors and smaller complementary positions because the source has no weights.
Source as of Aug 31, 2026 · Plan prepared Sep 25, 2026Independent position priorities · 1–10% limits
A smaller selection from the source
20 of the 26 source positions are included. Source asset-class labels and dated metrics remain intact.
Varied position sizes
Income Lens assigns larger priorities to the diversified equity, credit and infrastructure anchors, medium priorities to complementary strategies, and smaller priorities to specialist exposures. These judgments determine both the 20 selections and their relative sizes; the source spreadsheets do not supply these weights or a fund-quality score. 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
- Covered Call$28,30328.303%
- Utility/Infra$19,81119.811%
- Tax Adv. Eq.$19,81119.811%
- General Equity$13,20713.207%
- Preferred$7,5487.548%
- Global-Hybrid$5,6605.66%
- Global Equity$5,6605.66%
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 31, 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.
20 holdings & allocations
Independent position priorities · 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 |
|---|---|---|---|
| 7.547% | $7,5477.7% source yield $581/year at source rate | Source row 2. Income Lens relative allocation priority: 8, based on its portfolio role; not a publisher rating. What to watchMarket losses, concentration, leverage where used, changing distributions and overlapping underlying investments. Research source | |
| 7.547% | $7,5477.3% source yield $551/year at source rate | Source row 26. Income Lens relative allocation priority: 8, based on its portfolio role; not a publisher rating. What to watchMarket losses, concentration, leverage where used, changing distributions and overlapping underlying investments. Research source | |
| 7.547% | $7,5476.7% source yield $506/year at source rate | Source row 27. Income Lens relative allocation priority: 8, based on its portfolio role; not a publisher rating. What to watchMarket losses, concentration, leverage where used, changing distributions and overlapping underlying investments. Research source | |
| 6.604% | $6,6047.5% source yield $495/year at source rate | Source row 3. Income Lens relative allocation priority: 7, based on its portfolio role; not a publisher rating. What to watchMarket losses, concentration, leverage where used, changing distributions and overlapping underlying investments. Research source | |
| 6.604% | $6,6046.9% source yield $456/year at source rate | Source row 4. Income Lens relative allocation priority: 7, based on its portfolio role; not a publisher rating. What to watchMarket losses, concentration, leverage where used, changing distributions and overlapping underlying investments. Research source | |
| 5.66% | $5,6606.4% source yield $362/year at source rate | Source row 7. Income Lens relative allocation priority: 6, based on its portfolio role; not a publisher rating. What to watchMarket losses, concentration, leverage where used, changing distributions and overlapping underlying investments. Research source | |
| 5.66% | $5,6606.9% source yield $391/year at source rate | Source row 10. Income Lens relative allocation priority: 6, based on its portfolio role; not a publisher rating. What to watchMarket losses, concentration, leverage where used, changing distributions and overlapping underlying investments. Research source | |
| 5.66% | $5,6607.9% source yield $447/year at source rate | Source row 11. Income Lens relative allocation priority: 6, based on its portfolio role; not a publisher rating. What to watchMarket losses, concentration, leverage where used, changing distributions and overlapping underlying investments. Research source | |
| 5.66% | $5,6606.0% source yield $340/year at source rate | Source row 13. Income Lens relative allocation priority: 6, based on its portfolio role; not a publisher rating. What to watchMarket losses, concentration, leverage where used, changing distributions and overlapping underlying investments. Research source | |
| 5.66% | $5,6607.5% source yield $425/year at source rate | Source row 14. Income Lens relative allocation priority: 6, based on its portfolio role; not a publisher rating. What to watchMarket losses, concentration, leverage where used, changing distributions and overlapping underlying investments. Research source | |
| 5.66% | $5,66010.1% source yield $572/year at source rate | Source row 15. Income Lens relative allocation priority: 6, based on its portfolio role; not a publisher rating. What to watchMarket losses, concentration, leverage where used, changing distributions and overlapping underlying investments. Research source | |
| 4.717% | $4,7176.7% source yield $316/year at source rate | Source row 20. Income Lens relative allocation priority: 5, based on its portfolio role; not a publisher rating. What to watchMarket losses, concentration, leverage where used, changing distributions and overlapping underlying investments. Research source | |
| 3.774% | $3,7748.0% source yield $302/year at source rate | Source row 6. Income Lens relative allocation priority: 4, based on its portfolio role; not a publisher rating. What to watchMarket losses, concentration, leverage where used, changing distributions and overlapping underlying investments. Research source | |
| 3.774% | $3,7748.2% source yield $309/year at source rate | Source row 9. Income Lens relative allocation priority: 4, based on its portfolio role; not a publisher rating. What to watchMarket losses, concentration, leverage where used, changing distributions and overlapping underlying investments. Research source | |
| 3.774% | $3,77410.0% source yield $377/year at source rate | Source row 17. Income Lens relative allocation priority: 4, based on its portfolio role; not a publisher rating. What to watchMarket losses, concentration, leverage where used, changing distributions and overlapping underlying investments. Research source | |
| 3.774% | $3,7749.8% source yield $370/year at source rate | Source row 19. Income Lens relative allocation priority: 4, based on its portfolio role; not a publisher rating. What to watchMarket losses, concentration, leverage where used, changing distributions and overlapping underlying investments. Research source | |
| 3.774% | $3,7749.2% source yield $347/year at source rate | Source row 21. Income Lens relative allocation priority: 4, based on its portfolio role; not a publisher rating. What to watchMarket losses, concentration, leverage where used, changing distributions and overlapping underlying investments. Research source | |
| 2.83% | $2,8309.0% source yield $255/year at source rate | Source row 5. Income Lens relative allocation priority: 3, based on its portfolio role; not a publisher rating. What to watchMarket losses, concentration, leverage where used, changing distributions and overlapping underlying investments. Research source | |
| 1.887% | $1,8877.8% source yield $147/year at source rate | Source row 16. Income Lens relative allocation priority: 2, based on its portfolio role; not a publisher rating. What to watchMarket losses, concentration, leverage where used, changing distributions and overlapping underlying investments. Research source | |
| 1.887% | $1,8873.5% source yield $66/year at source rate | Source row 23. Income Lens relative allocation priority: 2, based on its portfolio role; not a publisher rating. What to watchMarket losses, concentration, leverage where used, changing distributions and overlapping underlying investments. 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.
Source footnotes. GAM has a variable, usually annual payout. NPFD uses three-year returns in the source’s five-year column; PFFA is an ETF with no CEF discount figure. Those return columns are not used to set weights or calculate income.
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