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EVLMC vs SPHD: Dividend Comparison 2026

EVLMC yields 2.00% · SPHD yields 4.00%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 SPHD wins by $5.4K in total portfolio value
10 years
EVLMC
EVLMC
● Live price
2.00%
Share price
$99.96
Annual div
$2.00
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$22.6K
Annual income
$227.72
Full EVLMC calculator →
SPHD
SPHD
● Live price
4.00%
Share price
$50.00
Annual div
$2.00
5Y div CAGR
5%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$28.0K
Annual income
$899.19
Full SPHD calculator →

Portfolio growth — EVLMC vs SPHD

📍 SPHD pulled ahead of the other in Year 1

Annual dividend income

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Recession Test — Did They Cut Dividends?

How each stock treated shareholders during the 3 biggest crises of the last 20 years

Crisis PeriodEVLMCSPHD
2008–2009
GFC
— No data— No data
2020 Q1–Q2
COVID
— No data— No data
2022 Q4
Rate Hike
— No data— No data
Based on dividend payment history. "Increased" = dividend grew during crisis. "Maintained" = held within 3%. "Cut" = reduced by more than 3%.
📅

Dividend Calendar Overlap

Combined, EVLMC + SPHD cover 0 of 12 months — good coverage

Jan
—
Feb
—
Mar
—
Apr
—
May
—
Jun
—
Jul
—
Aug
—
Sep
—
Oct
—
Nov
—
Dec
—
EVLMC pays
SPHD pays
Both pay
Neither
💰

Tax Bracket Optimizer

Which stock is actually better after tax? Adjust your rate to find out.

EVLMC
Annual income on $10K today (after 15% tax)
$170.07/yr
After 10yr DRIP, annual income (after tax)
$193.56/yr
SPHD
Annual income on $10K today (after 15% tax)
$340.00/yr
After 10yr DRIP, annual income (after tax)
$764.31/yr
At 15% tax rate, SPHD beats the other by $570.75/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of EVLMC + SPHD for your $10,000?

EVLMC: 50%SPHD: 50%
100% SPHD50/50100% EVLMC
Portfolio after 10yr
$25.3K
Annual income
$563.46/yr
Blended yield
2.22%
🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

EVLMC buys
0
SPHD buys
0
No recent congressional trades found for EVLMC or SPHD in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricEVLMCSPHD
Forward yield2.00%4.00% ✓
Annual dividend / share$2.00$2.00
Payout ratio50%50%
1-year div growth0%5% ✓
5-year div CAGR0%5% ✓
Portfolio after 10y$22.6K$28.0K ✓
Annual income after 10y$227.72$899.19 ✓
Total dividends collected$2.1K$6.4K ✓
Payment frequencyquarterlyquarterly
SectorStockETF

Year-by-year: EVLMC vs SPHD ($10,000, DRIP)

YearEVLMC PortfolioEVLMC Income/yrSPHD PortfolioSPHD Income/yrGap
1← crossover$10,900$200.08$11,120$420.00$220.00 → SPHD
2$11,867$203.82$12,357$458.31$490.00 → SPHD
3$12,905$207.38$13,721$499.76$816.00 → SPHD
4$14,019$210.77$15,227$544.58$1.2K → SPHD
5$15,214$213.99$16,885$593.02$1.7K → SPHD
6$16,496$217.04$18,713$645.34$2.2K → SPHD
7$17,871$219.93$20,724$701.81$2.9K → SPHD
8$19,345$222.67$22,938$762.73$3.6K → SPHD
9$20,924$225.27$25,372$828.41$4.4K → SPHD
10$22,617$227.72$28,047$899.19$5.4K → SPHD

EVLMC vs SPHD: Complete Analysis 2026

EVLMC — Stock

Under normal market conditions, the fund invests at least 80% of its net assets (plus any borrowings for investment purposes) in municipal obligations with final maturities of between five and fifteen years, the interest on which is exempt from regular federal income tax (the “80% Policy”).

Full EVLMC Calculator →

SPHD — ETF

SPHD is a dividend-paying stock. Use this calculator to estimate your future dividend income, DRIP compounding returns, and passive income potential from investing in SPHD shares.

Full SPHD Calculator →
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⚠️ Educational purposes only. Not financial advice. Congressional trades sourced from SEC STOCK Act filings via FMP. Past performance does not guarantee future results.