HomeCompareRFLFF vs SPHD

RFLFF vs SPHD: Dividend Comparison 2026

RFLFF yields 6.25% · SPHD yields 4.33%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 RFLFF wins by $3.7K in total portfolio value
10 years
RFLFF
RFLFF
● Live price
6.25%
Share price
$0.05
Annual div
$0.00
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$30.2K
Annual income
$930.61
Full RFLFF 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 — RFLFF vs SPHD

📍 RFLFF 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 PeriodRFLFFSPHD
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, RFLFF + SPHD cover 0 of 12 monthsgood coverage

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

RFLFF
Annual income on $10K today (after 15% tax)
$531.28/yr
After 10yr DRIP, annual income (after tax)
$791.02/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, RFLFF beats the other by $305.40/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

RFLFF: 50%SPHD: 50%
100% SPHD50/50100% RFLFF
Portfolio after 10yr
$28.4K
Annual income
$750.97/yr
Blended yield
2.65%
🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

RFLFF buys
0
SPHD buys
0
No recent congressional trades found for RFLFF or SPHD in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricRFLFFSPHD
Forward yield6.25%4.33%
Annual dividend / share$0.00$2.14
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR0%0%
Portfolio after 10y$30.2K$26.5K
Annual income after 10y$930.61$571.32
Total dividends collected$7.8K$5.1K
Payment frequencyquarterlyquarterly
SectorStockETF

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

YearRFLFF PortfolioRFLFF Income/yrSPHD PortfolioSPHD Income/yrGap
1← crossover$11,325$625.04$11,133$432.85+$192.00RFLFF
2$12,779$661.55$12,363$450.36+$416.00RFLFF
3$14,372$697.67$13,695$467.39+$677.00RFLFF
4$16,111$733.26$15,138$483.90+$973.00RFLFF
5$18,007$768.23$16,697$499.88+$1.3KRFLFF
6$20,070$802.47$18,382$515.31+$1.7KRFLFF
7$22,311$835.89$20,198$530.17+$2.1KRFLFF
8$24,741$868.42$22,157$544.46+$2.6KRFLFF
9$27,373$900.01$24,266$558.18+$3.1KRFLFF
10$30,219$930.61$26,536$571.32+$3.7KRFLFF

RFLFF vs SPHD: Complete Analysis 2026

RFLFFStock

Raffles Education Corporation Limited, an investment holding company, provides education and related services in ASEAN, North Asia, South Asia, Australasia, and Europe. It operates through four segments: Education, Education Facilities Rental Service, Real Estate Investment & Development, and Corporate & Others. The company offers degree, diploma, and full-time certificate programs in design and business-oriented disciplines; pre-tertiary education; and K12 curriculum. In addition, it operates Raffles University Iskandar; Tianjin University of Commerce Boustead College; Raffles American School that offers American K-12 education; and Oriental University City campus. Further, it engages in education facilities leasing and commercial leasing activities for supporting facilities; and real estate investment and development activities. Additionally, the company offers education supporting, and business and management consultancy services. It operates through a network of 18 colleges and universities across 10 countries. Raffles Education Corporation Limited was founded in 1990 and is based in Singapore.

Full RFLFF 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.