HomeCompareIOCT vs SPHD

IOCT vs SPHD: Dividend Comparison 2026

IOCT yields 5.75% · SPHD yields 4.33%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 IOCT wins by $2.7K in total portfolio value
10 years
IOCT
IOCT
● Live price
5.75%
Share price
$34.78
Annual div
$2.00
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$29.2K
Annual income
$829.89
Full IOCT calculator →
SPHD
SPHD
● Live price
4.33%
Share price
$49.34
Annual div
$2.14
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$26.5K
Annual income
$571.32
Full SPHD calculator →

Portfolio growth — IOCT vs SPHD

📍 IOCT 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 PeriodIOCTSPHD
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, IOCT + SPHD cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
IOCT pays
SPHD pays
Both pay
Neither
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Tax Bracket Optimizer

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

IOCT
Annual income on $10K today (after 15% tax)
$488.79/yr
After 10yr DRIP, annual income (after tax)
$705.41/yr
SPHD
Annual income on $10K today (after 15% tax)
$367.92/yr
After 10yr DRIP, annual income (after tax)
$485.62/yr
At 15% tax rate, IOCT beats the other by $219.78/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

IOCT: 50%SPHD: 50%
100% SPHD50/50100% IOCT
Portfolio after 10yr
$27.9K
Annual income
$700.60/yr
Blended yield
2.51%
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Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

IOCT buys
0
SPHD buys
0
No recent congressional trades found for IOCT or SPHD in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricIOCTSPHD
Forward yield5.75%4.33%
Annual dividend / share$2.00$2.14
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR0%0%
Portfolio after 10y$29.2K$26.5K
Annual income after 10y$829.89$571.32
Total dividends collected$7.1K$5.1K
Payment frequencyquarterlyquarterly
SectorStockETF

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

YearIOCT PortfolioIOCT Income/yrSPHD PortfolioSPHD Income/yrGap
1← crossover$11,275$575.04$11,133$432.85+$142.00IOCT
2$12,670$605.95$12,363$450.36+$307.00IOCT
3$14,194$636.38$13,695$467.39+$499.00IOCT
4$15,853$666.25$15,138$483.90+$715.00IOCT
5$17,659$695.48$16,697$499.88+$962.00IOCT
6$19,619$724.00$18,382$515.31+$1.2KIOCT
7$21,744$751.74$20,198$530.17+$1.5KIOCT
8$24,044$778.66$22,157$544.46+$1.9KIOCT
9$26,532$804.72$24,266$558.18+$2.3KIOCT
10$29,219$829.89$26,536$571.32+$2.7KIOCT

IOCT vs SPHD: Complete Analysis 2026

IOCTStock

The Innovator International Developed Power Buffer ETF seeks to track the return of the iShares MSCI EAFE ETF (EFA), up to a predetermined cap, while buffering investors against the first 15% of losses over the outcome period. The ETF can be held indefinitely, resetting at the end of each outcome period, approximately annually.

Full IOCT Calculator →

SPHDETF

The Invesco S&P 500 High Dividend Low Volatility ETF (Fund) is based on the S&P 500 Low Volatility High Dividend Index (Index). The Fund will invest at least 90% of its total assets in common stocks that comprise the Index. Standard & Poor's compiles, maintains and calculates the Index, which is composed of 50 securities traded on the S&P 500 Index that historically have provided high dividend yields and low volatility. The Fund and the Index are rebalanced and reconstituted semi-annually, in January and July.

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.