HomeCompareRCTIX vs SPHD

RCTIX vs SPHD: Dividend Comparison 2026

RCTIX yields 6.81% · SPHD yields 4.33%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 RCTIX wins by $4.8K in total portfolio value
10 years
RCTIX
RCTIX
● Live price
6.81%
Share price
$9.84
Annual div
$0.67
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$31.4K
Annual income
$1,050.64
Full RCTIX 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 — RCTIX vs SPHD

📍 RCTIX 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 PeriodRCTIXSPHD
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, RCTIX + SPHD cover 0 of 12 monthsgood coverage

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

RCTIX
Annual income on $10K today (after 15% tax)
$579.17/yr
After 10yr DRIP, annual income (after tax)
$893.04/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, RCTIX beats the other by $407.42/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

RCTIX: 50%SPHD: 50%
100% SPHD50/50100% RCTIX
Portfolio after 10yr
$29.0K
Annual income
$810.98/yr
Blended yield
2.80%
🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

RCTIX buys
0
SPHD buys
0
No recent congressional trades found for RCTIX or SPHD in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricRCTIXSPHD
Forward yield6.81%4.33%
Annual dividend / share$0.67$2.14
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR0%0%
Portfolio after 10y$31.4K$26.5K
Annual income after 10y$1,050.64$571.32
Total dividends collected$8.7K$5.1K
Payment frequencyquarterlyquarterly
SectorStockETF

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

YearRCTIX PortfolioRCTIX Income/yrSPHD PortfolioSPHD Income/yrGap
1← crossover$11,381$681.38$11,133$432.85+$248.00RCTIX
2$12,903$724.77$12,363$450.36+$540.00RCTIX
3$14,574$767.91$13,695$467.39+$879.00RCTIX
4$16,405$810.62$15,138$483.90+$1.3KRCTIX
5$18,406$852.76$16,697$499.88+$1.7KRCTIX
6$20,588$894.19$18,382$515.31+$2.2KRCTIX
7$22,964$934.78$20,198$530.17+$2.8KRCTIX
8$25,546$974.45$22,157$544.46+$3.4KRCTIX
9$28,348$1,013.09$24,266$558.18+$4.1KRCTIX
10$31,383$1,050.64$26,536$571.32+$4.8KRCTIX

RCTIX vs SPHD: Complete Analysis 2026

RCTIXStock

The fund seeks to achieve its objective by investing, under normal conditions, at least 80% of its assets (net assets plus borrowings for investment purposes) in bonds. The Adviser defines bonds to include mortgage-backed securities, debt securities, exchange-traded funds investing principally in bonds, and other fixed income instruments issued by governmental or private-sector entities.

Full RCTIX 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.