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FRIMX vs SPHD: Dividend Comparison 2026

FRIMX yields 3.13% · SPHD yields 4.00%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 SPHD wins by $3.6K in total portfolio value
10 years
FRIMX
FRIMX
● Live price
3.13%
Share price
$58.90
Annual div
$1.84
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$24.4K
Annual income
$382.27
Full FRIMX 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 — FRIMX 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 PeriodFRIMXSPHD
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, FRIMX + SPHD cover 0 of 12 months — good coverage

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

Tax Bracket Optimizer

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

FRIMX
Annual income on $10K today (after 15% tax)
$265.68/yr
After 10yr DRIP, annual income (after tax)
$324.93/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 $439.38/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

FRIMX: 50%SPHD: 50%
100% SPHD50/50100% FRIMX
Portfolio after 10yr
$26.2K
Annual income
$640.73/yr
Blended yield
2.44%
🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

FRIMX buys
0
SPHD buys
0
No recent congressional trades found for FRIMX or SPHD in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricFRIMXSPHD
Forward yield3.13%4.00% ✓
Annual dividend / share$1.84$2.00 ✓
Payout ratio50%50%
1-year div growth0%5% ✓
5-year div CAGR0%5% ✓
Portfolio after 10y$24.4K$28.0K ✓
Annual income after 10y$382.27$899.19 ✓
Total dividends collected$3.5K$6.4K ✓
Payment frequencyquarterlyquarterly
SectorStockETF

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

YearFRIMX PortfolioFRIMX Income/yrSPHD PortfolioSPHD Income/yrGap
1← crossover$11,013$312.56$11,120$420.00$107.00 → SPHD
2$12,105$321.69$12,357$458.31$252.00 → SPHD
3$13,283$330.48$13,721$499.76$438.00 → SPHD
4$14,552$338.91$15,227$544.58$675.00 → SPHD
5$15,917$346.99$16,885$593.02$968.00 → SPHD
6$17,386$354.72$18,713$645.34$1.3K → SPHD
7$18,965$362.11$20,724$701.81$1.8K → SPHD
8$20,662$369.16$22,938$762.73$2.3K → SPHD
9$22,484$375.87$25,372$828.41$2.9K → SPHD
10$24,441$382.27$28,047$899.19$3.6K → SPHD

FRIMX vs SPHD: Complete Analysis 2026

FRIMX — Stock

The fund invests in a combination of Fidelity® U.S. equity funds, international equity funds, bond funds, and short-term funds in a manner that supports a withdrawal strategy to provide investors with income in retirement. The manager allocates assets according to a stable neutral asset allocation strategy.

Full FRIMX 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.