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RFVTX vs SPHD: Dividend Comparison 2026

RFVTX yields 4.96% · SPHD yields 4.00%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 SPHD wins by $347.00 in total portfolio value· pulled ahead in Year 9
10 years
RFVTX
RFVTX
● Live price
4.96%
Share price
$18.98
Annual div
$0.94
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$27.7K
Annual income
$681.32
Full RFVTX 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 — RFVTX vs SPHD

📍 SPHD pulled ahead of the other in Year 9

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 PeriodRFVTXSPHD
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, RFVTX + SPHD cover 0 of 12 months — good coverage

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

RFVTX
Annual income on $10K today (after 15% tax)
$421.64/yr
After 10yr DRIP, annual income (after tax)
$579.12/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, SPHD beats the other by $185.19/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

RFVTX: 50%SPHD: 50%
100% SPHD50/50100% RFVTX
Portfolio after 10yr
$27.9K
Annual income
$790.26/yr
Blended yield
2.84%
🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

RFVTX buys
0
SPHD buys
0
No recent congressional trades found for RFVTX or SPHD in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricRFVTXSPHD
Forward yield4.96% ✓4.00%
Annual dividend / share$0.94$2.00 ✓
Payout ratio50%50%
1-year div growth0%5% ✓
5-year div CAGR0%5% ✓
Portfolio after 10y$27.7K$28.0K ✓
Annual income after 10y$681.32$899.19 ✓
Total dividends collected$5.9K$6.4K ✓
Payment frequencyquarterlyquarterly
SectorStockETF

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

YearRFVTX PortfolioRFVTX Income/yrSPHD PortfolioSPHD Income/yrGap
1$11,196$496.05$11,120$420.00+$76.00 → RFVTX
2$12,499$519.05$12,357$458.31+$142.00 → RFVTX
3$13,915$541.53$13,721$499.76+$194.00 → RFVTX
4$15,453$563.46$15,227$544.58+$226.00 → RFVTX
5$17,119$584.78$16,885$593.02+$234.00 → RFVTX
6$18,923$605.47$18,713$645.34+$210.00 → RFVTX
7$20,873$625.48$20,724$701.81+$149.00 → RFVTX
8$22,979$644.80$22,938$762.73+$41.00 → RFVTX
9← crossover$25,251$663.42$25,372$828.41$121.00 → SPHD
10$27,700$681.32$28,047$899.19$347.00 → SPHD

RFVTX vs SPHD: Complete Analysis 2026

RFVTX — Stock

The fund normally invests a greater portion of its assets in fixed income, equity-income and balanced funds as it approaches and passes its target date. The advisor attempts to achieve its investment objectives by investing in a mix of American Funds in different combinations and weightings. The underlying American Funds represent a variety of fund categories, including growth funds, growth-and-income funds, equity-income funds, balanced funds and fixed income funds. The fund categories represent differing investment objectives and strategies.

Full RFVTX 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.