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FLAT vs JEPI: Dividend Comparison 2026

FLAT yields 2.70% · JEPI yields 8.56%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 JEPI wins by $5.6K in total portfolio value
10 years
FLAT
FLAT
● Live price
2.70%
Share price
$73.94
Annual div
$2.00
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$23.7K
Annual income
$322.05
Full FLAT calculator →
JEPI
JPMorgan Equity Premium Income ETF
● Live price
8.56%
Share price
$55.65
Annual div
$4.76
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$29.3K
Annual income
$1,573.67
Full JEPI calculator →

Portfolio growth — FLAT vs JEPI

📍 JEPI 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 PeriodFLATJEPI
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%.
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Dividend Calendar Overlap

Combined, FLAT + JEPI cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
FLAT pays
JEPI pays
Both pay
Neither
💰

Tax Bracket Optimizer

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

FLAT
Annual income on $10K today (after 15% tax)
$229.92/yr
After 10yr DRIP, annual income (after tax)
$273.74/yr
JEPI
Annual income on $10K today (after 15% tax)
$727.38/yr
After 10yr DRIP, annual income (after tax)
$1,337.62/yr
At 15% tax rate, JEPI beats the other by $1,063.88/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of FLAT + JEPI for your $10,000?

FLAT: 50%JEPI: 50%
100% JEPI50/50100% FLAT
Portfolio after 10yr
$26.5K
Annual income
$947.86/yr
Blended yield
3.57%
🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

FLAT buys
0
JEPI buys
0
No recent congressional trades found for FLAT or JEPI in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricFLATJEPI
Forward yield2.70%8.56%
Annual dividend / share$2.00$4.76
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR0%0%
Portfolio after 10y$23.7K$29.3K
Annual income after 10y$322.05$1,573.67
Total dividends collected$3.0K$12.0K
Payment frequencyquarterlymonthly
SectorStockETF

Year-by-year: FLAT vs JEPI ($10,000, DRIP)

YearFLAT PortfolioFLAT Income/yrJEPI PortfolioJEPI Income/yrGap
1← crossover$10,970$270.49$11,276$855.74$306.00JEPI
2$12,016$277.33$12,675$926.02$659.00JEPI
3$13,141$283.88$14,207$999.01$1.1KJEPI
4$14,351$290.15$15,878$1,074.57$1.5KJEPI
5$15,651$296.13$17,697$1,152.57$2.0KJEPI
6$17,049$301.85$19,674$1,232.87$2.6KJEPI
7$18,550$307.29$21,815$1,315.29$3.3KJEPI
8$20,161$312.46$24,131$1,399.68$4.0KJEPI
9$21,889$317.38$26,630$1,485.86$4.7KJEPI
10$23,743$322.05$29,323$1,573.67$5.6KJEPI

FLAT vs JEPI: Complete Analysis 2026

FLATStock

The investment seeks to provide investors with inverse exposure to the Barclays US Treasury 2Y/10Y Yield Curve Index™. The Barclays US Treasury 2Y/10Y Yield Curve Index™ (the "index") employs a strategy that seeks to capture returns that are potentially available from a "steepening" or "flattening", as applicable, of the U.S. Treasury yield curve through a notional rolling investment in U.S. Treasury note futures contracts. The level of the index is designed to increase in response to a "steepening" of the yield curve and to decrease in response to a "flattening" of the yield curve.

Full FLAT Calculator →

JEPIETF

The fund seeks to provide the majority of the returns associated with its primary benchmark, the Standard & Poor's 500 Total Return Index (S&P 500 Index), while exposing investors to less risk through lower volatility and still offering incremental income. Under normal circumstances, the fund invests at least 80% of its assets in equity securities. It may also invest in other equity securities not included in the S&P 500 Index.

Full JEPI 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.