HomeCompareIRL vs SPHD

IRL vs SPHD: Dividend Comparison 2026

IRL yields 1.92% · SPHD yields 4.33%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 IRL wins by $54.33M in total portfolio value· pulled ahead in Year 2
10 years
IRL
IRL
● Live price
1.92%
Share price
$10.41
Annual div
$0.20
5Y div CAGR
100%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$54.35M
Annual income
$49,418,680.20
Full IRL 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 — IRL vs SPHD

📍 IRL pulled ahead of the other in Year 2

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 PeriodIRLSPHD
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, IRL + SPHD cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
IRL 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.

IRL
Annual income on $10K today (after 15% tax)
$163.55/yr
After 10yr DRIP, annual income (after tax)
$42,005,878.17/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, IRL beats the other by $42,005,392.55/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

IRL: 50%SPHD: 50%
100% SPHD50/50100% IRL
Portfolio after 10yr
$27.19M
Annual income
$24,709,625.76/yr
Blended yield
90.88%
🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

IRL buys
0
SPHD buys
0
No recent congressional trades found for IRL or SPHD in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricIRLSPHD
Forward yield1.92%4.33%
Annual dividend / share$0.20$2.14
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR100%0%
Portfolio after 10y$54.35M$26.5K
Annual income after 10y$49,418,680.20$571.32
Total dividends collected$53.95M$5.1K
Payment frequencyquarterlyquarterly
SectorStockETF

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

YearIRL PortfolioIRL Income/yrSPHD PortfolioSPHD Income/yrGap
1$11,085$384.82$11,133$432.85$48.00SPHD
2← crossover$12,658$797.32$12,363$450.36+$295.00IRL
3$15,246$1,701.85$13,695$467.39+$1.6KIRL
4$20,145$3,831.38$15,138$483.90+$5.0KIRL
5$31,017$9,462.45$16,697$499.88+$14.3KIRL
6$60,421$27,232.87$18,382$515.31+$42.0KIRL
7$163,809$99,157.86$20,198$530.17+$143.6KIRL
8$677,757$502,481.85$22,157$544.46+$655.6KIRL
9$4,611,211$3,886,010.67$24,266$558.18+$4.59MIRL
10$54,352,676$49,418,680.20$26,536$571.32+$54.33MIRL

IRL vs SPHD: Complete Analysis 2026

IRLStock

The New Ireland Fund, Inc. is a close-ended balanced mutual fund launched by Bank of Ireland Asset Management (U.S.) Limited. It is managed by Kleinwort Benson Investors International Ltd. The fund invests in the public equity and fixed income markets of the Ireland. It seeks to invest in growth stocks of companies operating across diversified sectors. The fund benchmarks the performance of its portfolio against the ISEQ Index. It was formerly known as Irish Investment Fund Inc. The New Ireland Fund, Inc. was formed on December 14, 1989 and is domiciled in the United States.

Full IRL 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.