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MMKT vs SPHD: Dividend Comparison 2026

MMKT yields 3.85% · SPHD yields 4.33%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 SPHD wins by $853.00 in total portfolio value
10 years
MMKT
MMKT
● Live price
3.85%
Share price
$100.22
Annual div
$3.86
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$25.7K
Annual income
$492.96
Full MMKT 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 — MMKT 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 PeriodMMKTSPHD
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, MMKT + SPHD cover 0 of 12 monthsgood coverage

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

MMKT
Annual income on $10K today (after 15% tax)
$327.22/yr
After 10yr DRIP, annual income (after tax)
$419.02/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, SPHD beats the other by $66.61/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

MMKT: 50%SPHD: 50%
100% SPHD50/50100% MMKT
Portfolio after 10yr
$26.1K
Annual income
$532.14/yr
Blended yield
2.04%
🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

MMKT buys
0
SPHD buys
0
No recent congressional trades found for MMKT or SPHD in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricMMKTSPHD
Forward yield3.85%4.33%
Annual dividend / share$3.86$2.14
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR0%0%
Portfolio after 10y$25.7K$26.5K
Annual income after 10y$492.96$571.32
Total dividends collected$4.4K$5.1K
Payment frequencyquarterlyquarterly
SectorStockETF

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

YearMMKT PortfolioMMKT Income/yrSPHD PortfolioSPHD Income/yrGap
1← crossover$11,085$384.96$11,133$432.85$48.00SPHD
2$12,260$398.81$12,363$450.36$103.00SPHD
3$13,530$412.22$13,695$467.39$165.00SPHD
4$14,902$425.18$15,138$483.90$236.00SPHD
5$16,383$437.66$16,697$499.88$314.00SPHD
6$17,980$449.67$18,382$515.31$402.00SPHD
7$19,700$461.21$20,198$530.17$498.00SPHD
8$21,551$472.27$22,157$544.46$606.00SPHD
9$23,542$482.85$24,266$558.18$724.00SPHD
10$25,683$492.96$26,536$571.32$853.00SPHD

MMKT vs SPHD: Complete Analysis 2026

MMKTStock

MMKT is the first ETF to comply with Rule 2a-7 of the 1940 Act, technically qualifying as a government money market fund. The rule is designed to preserve stability and liquidity, ensuring that redemption requests can be fulfilled. However, MMKT will not maintain a stable net asset value (NAV) of $1. The fund will allocate at least 99.5% of its assets to cash, US government securities, or fully collateralized repurchase agreements. The objective is to generate competitive yields while preserving capital. Note that a significant portion of the funds assets are overnight repurchase agreements, and income from these may not be exempt from state and local taxes, which could affect the after-tax yield compared to traditional government securities.

Full MMKT 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.