RESTORED SNAPSHOT — every figure on this page is AS OF 1 Aug 2026 and has NOT been refreshed. The live version was lost in the 17 Sep 2026 storage move and is being rebuilt. Do not quote these numbers as current.
Side-by-side of four client income portfolios across the key Plex-Flow metrics: weighted yield, drawdown resilience vs the S&P 500, income quality (ROC signal), and data coverage. All figures rendered directly from the live M1 analysis — where a metric is not reported for a client it shows “—”.
The Four Portfolios at a Glance
| Metric |
RaghuIncome Factory |
Rick FowlerUltra-Yield Options-Income |
Jose RomeroGemini PLEX |
Macarena GarciaPre-bucketed Income |
| Weighted Yield
Guardrailed (50% cap on suspect holdings)
|
10.39% |
26.79% |
15.00% |
20.42% |
| Raw Yield
No guardrail (uncapped)
|
13.32% |
42.80% |
19.05% |
23.87% |
| M1 / Claimed Stated Yield
As shown by M1, if reported
|
9.78% |
— |
— |
— |
| Holdings
Total positions in pie
|
53 |
24 |
21 |
15 |
| Max Drawdown
3-yr window (Jun 2023 – Jun 2026)
|
−14.18% |
−18.64% |
−13.59% |
−16.66% |
| vs SPY Max Drawdown
SPY: −18.76% over same window
|
+4.58 pp better |
+0.12 pp better |
+5.17 pp better |
+2.10 pp better |
| Sharpe (rf=0)
Risk-adjusted return · SPY: 1.296
|
1.412 |
0.796 |
1.339 |
1.256 |
| Annualized Return
SPY: +20.26%
|
+15.71% |
+10.96% |
+12.40% |
+14.66% |
| Beta vs SPY
Market sensitivity (<1 = less)
|
0.596 |
0.838 |
0.561 |
0.715 |
| Income Quality — Likely ROC
% weight where payout outran earnings
|
33.0% |
63.5% |
43.8% |
62.0% |
| Income Quality — Earned
% weight covered by total return
|
55.0% |
14.5% |
50.3% |
38.0% |
| Coverage
Holdings priced / analyzed
|
100% |
100% |
100% |
100% |
How to read this: Higher yield is not automatically better. Rick's 26.79% headline yield comes with the worst drawdown (−18.64%, barely better than SPY), the lowest Sharpe (0.796), and the highest Likely-ROC share (63.5% of weight) — meaning most of that income is funded by payouts that outran the funds’ earnings (a NAV-erosion signal). Raghu and Jose carry lower yields but the strongest risk-adjusted returns (Sharpe 1.41 / 1.34, both above SPY) and the cleanest income (55% / 50% earned).
Metric notes
- Weighted Yield (guardrailed): portfolio yield with a 50% sanity cap applied to suspect/corrupt holdings; the headline figure.
- Drawdown / Sharpe / Return / Beta: 3-year window, Jun 12 2023 – Jun 10 2026, benchmarked against SPY (S&P 500). 100% of weight covered for all four.
- Income Quality (ROC): total-return-coverage proxy — “Likely-ROC” flags holdings where the distribution rate exceeds 1-yr total return by >3pp (payout outran earnings). This is a proxy, not a 19(a) ROC-notice read.
- “—” means the metric was not reported in the source data for that client (not zero, not a guess).