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REFLX vs SPHD: Dividend Comparison 2026

REFLX yields 7.19% · SPHD yields 4.00%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 REFLX wins by $4.1K in total portfolio value
10 years
REFLX
REFLX
● Live price
7.19%
Share price
$10.36
Annual div
$0.74
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$32.2K
Annual income
$1,134.19
Full REFLX 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 — REFLX vs SPHD

📍 REFLX 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 PeriodREFLXSPHD
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%.
📅

Dividend Calendar Overlap

Combined, REFLX + SPHD cover 0 of 12 months — good coverage

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

Tax Bracket Optimizer

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

REFLX
Annual income on $10K today (after 15% tax)
$610.93/yr
After 10yr DRIP, annual income (after tax)
$964.06/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, REFLX beats the other by $199.75/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

REFLX: 50%SPHD: 50%
100% SPHD50/50100% REFLX
Portfolio after 10yr
$30.1K
Annual income
$1,016.70/yr
Blended yield
3.38%
🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

REFLX buys
0
SPHD buys
0
No recent congressional trades found for REFLX or SPHD in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricREFLXSPHD
Forward yield7.19% ✓4.00%
Annual dividend / share$0.74$2.00 ✓
Payout ratio50%50%
1-year div growth0%5% ✓
5-year div CAGR0%5% ✓
Portfolio after 10y$32.2K ✓$28.0K
Annual income after 10y$1,134.19 ✓$899.19
Total dividends collected$9.3K ✓$6.4K
Payment frequencyquarterlyquarterly
SectorStockETF

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

YearREFLX PortfolioREFLX Income/yrSPHD PortfolioSPHD Income/yrGap
1← crossover$11,419$718.75$11,120$420.00+$299.00 → REFLX
2$12,985$767.03$12,357$458.31+$628.00 → REFLX
3$14,709$815.18$13,721$499.76+$988.00 → REFLX
4$16,602$863.00$15,227$544.58+$1.4K → REFLX
5$18,674$910.33$16,885$593.02+$1.8K → REFLX
6$20,938$956.98$18,713$645.34+$2.2K → REFLX
7$23,407$1,002.81$20,724$701.81+$2.7K → REFLX
8$26,093$1,047.69$22,938$762.73+$3.2K → REFLX
9$29,011$1,091.52$25,372$828.41+$3.6K → REFLX
10$32,176$1,134.19$28,047$899.19+$4.1K → REFLX

REFLX vs SPHD: Complete Analysis 2026

REFLX — Stock

Functions as a closed-end investment fund or Investment trust

Full REFLX 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.