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THRV vs XRLX

Prospera Income ETF

THRVCNasdaq

FundX Investment Conservative ETF

XRLXCNYSE Arca

Overlap

Expense ratio

XRLX −0.60pt a year

THRV1.80%XRLX1.20%

Avg volume · 30D

THRV 2.3×the volume

THRV3.7KXRLX1.64K

THRV vs XRLX Performance

Oct 31, 2025 – Nov 2, 2026

−0.1%THRV+4.1%XRLX

Oct 31, 2025 to Nov 2, 2026. THRV −0.1%. XRLX +4.1%. Use the arrow keys to read each point.−2.5%2.5%7.5%Oct 2025May 2026Nov 2026
Expense ratio
THRV 1.80%
XRLX 1.20%, better
Fund size
THRV $8M
XRLX $45M
1Y total return
THRV −0.1%
XRLX +4.1%, better
Yield (12M)
THRV No data
XRLX 2.68%
Holdings
THRV 62
XRLX 20
Avg volume (30D)
THRV 3.7K sh, better
XRLX 1.64K sh
NAV per share
THRV $23.05
XRLX $47.90
52W range

ETF.net Grade

THRV: Cost 8, Risk 41, Mission 97, Tradability 33, Holdings 75, Durability 29. XRLX: Cost 30, Risk 35, Mission 81, Tradability 55, Holdings 63, Durability 61.
Pillar letters and Scores for THRV, XRLX, with each pillar’s weight
PillarTHRVXRLX
Cost30% weightF8D30Higher
Mission25% weightA97HigherA81
Risk15% weightC41HigherD35
Tradability15% weightD33B55Higher
Holdings10% weightA75HigherB63
Durability5% weightD29B61Higher

Rank among Conservative Allocation funds

How we build Categories ›
Same Category. Both funds are graded against the same funds, so their Grades compare head to head.

Same Category. THRV and XRLX are both graded against the same 7 Conservative Allocation funds, so their Grades compare head to head.

Conservative Allocation⁠

Category · 7 funds
See all 7 ›

XRLX ranks 4th and THRV 5th of 7 funds in the Conservative Allocation Category.

  1. Rank 1AAOKiShares Core 30/70 Conservative Allocation ETFScore 86
  2. Rank 2ACGMSCapital Group U.S. Multi-Sector Income ETFScore 76
  3. Rank 3CBLUIBluemonte Diversified Income ETFScore 52
  4. Rank 4CXRLXFundX Investment Conservative ETFScore 51
  5. Rank 5CTHRVProspera Income ETFScore 46
  6. Rank 6CMFULMindful Conservative ETFScore 43

Our read on each fund

ETF.net Research

THRVCProspera Income ETF

XRLXCFundX Investment Conservative ETF

In short

THRV An active manager builds an income portfolio out of other funds: bond ETFs, closed-end funds, dividend payers, ADRs, commodities. One ticker, a plain mandate (income with capital preservation), and a premium price tag.

XRLX Most conservative allocation funds are index blends on autopilot. XRLX is actively managed: a fund of funds that ranks other funds on recent returns, buys the leaders and sells them when they fade.

Stated mandate

THRV The Fund seeks to generate income while preserving capital.

XRLX The Fund seeks long-term capital appreciation and may provide a low level of current income intended to reduce portfolio volatility.

Why people hold it

  • THRV Unusual reach for a conservative income fund: the manager can buy closed-end funds and commodities, corners most bond-heavy income ETFs leave alone.yahoo.com
  • The mandate is plain English: generate income while preserving capital. No index to shadow, no derivatives overlay to decode.
  • Actively managed, so the mix of bond funds, stocks and hard assets can be reshuffled as income opportunities move, rather than waiting on an index rebalance.yahoo.com
  • Live since 2017, a real operating history rather than a backtest.
  • XRLX The Upgrading discipline has a long paper trail: FundX has published its no-load fund newsletter since 1976, and this conservative version has run inside a fund since 2002.sec.gov
  • No stock picking. It buys other funds, so one ticker gets you a multi-manager mix of stock and bond funds rather than a single manager's call.sec.govsec.gov 2
  • Built around a plainly stated mandate: long-term capital appreciation plus a low level of current income meant to reduce portfolio volatility.
  • Sits in the upper half of a small conservative-income peer group.

Worth knowing

  • THRV At 1.80% a year the fee sits far above cohort names like BLUI (0.25%) and CGMS (0.39%), and it stacks on top of the fees of the funds it holds.yahoo.com
  • A small fund that trades thinly, so spreads can be wide. Limit orders are the norm here.
  • Distributions come on an irregular schedule, not a set monthly rhythm, and the fund is non-diversified, so single positions can carry real weight.yahoo.com
  • XRLX The fee is 1.20% a year, above the category median and well above plain multi-sector peers like CGMS at 0.39%. Active fund selection is what the premium buys.
  • Fund-of-funds math: shareholders also bear a share of the underlying funds' fees, which appear as their own line in the fee table.sec.gov
  • It is a small fund that trades lightly, so bid-ask spreads can run wider and larger orders are more sensitive to execution.

Full THRV profile⁠

Full XRLX profile⁠

THRV vs XRLX Holdings

How we measure overlap

Each holding counts at its smaller weight in the two funds, summed over the full Holdings. Sector, country and asset class use the same rule on each fund’s split. Cash, FX and derivative lines stay out of the counts. Two bond funds get no overlap figure.

THRV vs XRLX Cost

Overpaying THRV vs XRLX

$8,513

On $10,000 over 30 years. 7% growth a year before fees, expense ratio only.

  • THRV 1.80%

    $30,364

  • XRLX 1.20%

    $21,851

$10,000
30 years

Cost over time

  • THRV 1.80%
  • XRLX 1.20%
  • Overpaying
One line per fund, from year 0 to year 30. Use the arrow keys to read each point.$0$10K$20K$30K$40K051015202530THRV $30,364XRLX $21,851

Year by year

YearTHRVXRLXOverpaying
10$3,070$2,098$972
20$11,135$7,814$3,321
30$30,364$21,851$8,513

Expense ratio

  • 1.80%THRV
  • 1.20%XRLX, cheaper
  • Middle half of Conservative Allocation funds
  • Median 0.67%

XRLX 5th cheapest of 7 funds

THRV 7th cheapest of 7 funds

THRV vs XRLX Dividends

Last 12 months to Nov 2, 2026
Yield (12M)
THRV No data
XRLX 2.68%
Payout (12M)
THRV No data
XRLX $1.28
Last payment
THRV $0.16
XRLX $1.28
Ex-dividend
THRV Oct 19, 2026
XRLX Dec 31, 2025
Paid on
THRV Oct 20, 2026
XRLX Jan 2, 2026
Frequency
THRV Monthly
XRLX Annual

Distribution history

Per share, 2023 to 2026, same scale for both

THRVMonthly · 13 paymentsAll THRV payments⁠
One bar per payment. 13 payments from 2023 to 2026 YTD. Nov 18, 2025 $0.16; Dec 18, 2025 $0.17; Dec 30, 2025 $0.08; Jan 21, 2026 $0.10; Feb 18, 2026 $0.16; Mar 18, 2026 $0.16; Apr 20, 2026 $0.16; May 19, 2026 $0.16; Jun 18, 2026 $0.16; Jul 20, 2026 $0.16; Aug 18, 2026 $0.16; Sep 18, 2026 $0.16; Oct 19, 2026 $0.16. Use the arrow keys to read each point.$0$120232026YTD
XRLXAnnual · 3 paymentsAll XRLX payments⁠
One bar per payment. 3 payments from 2023 to 2026 YTD. Dec 28, 2023 $0.64; Dec 31, 2024 $0.73; Dec 31, 2025 $1.28. Use the arrow keys to read each point.$0$120232026YTD

THRV vs XRLX Risk

Fall from peak · 5 years

This chart needs five years of history for both funds.

Risk facts

VolatilityStd dev, 3 years
THRV 2.9%since Oct 2025XRLX 9.0%
Return per unit of riskSharpe ratio, 3 years
THRV −1.28since Oct 2025XRLX 0.94
Worst fallMax drawdown, 5 years
THRV −3.3%since Sep 2025XRLX −15.4%since Oct 2023
Market sensitivityBeta, 5 years
THRV 0.10XRLX 0.83

Popular comparisons

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