HomeCompareRMCA vs SPHD

RMCA vs SPHD: Dividend Comparison 2026

RMCA yields 4.48% · SPHD yields 4.33%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 RMCA wins by $277.00 in total portfolio value
10 years
RMCA
RMCA
● Live price
4.48%
Share price
$24.06
Annual div
$1.08
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$26.8K
Annual income
$597.20
Full RMCA 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 — RMCA vs SPHD

📍 RMCA 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 PeriodRMCASPHD
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, RMCA + SPHD cover 0 of 12 monthsgood coverage

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

RMCA
Annual income on $10K today (after 15% tax)
$380.90/yr
After 10yr DRIP, annual income (after tax)
$507.62/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, RMCA beats the other by $22.00/year in after-tax income after 10 years on $10,000
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Lazy Portfolio Split Optimizer

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

RMCA: 50%SPHD: 50%
100% SPHD50/50100% RMCA
Portfolio after 10yr
$26.7K
Annual income
$584.26/yr
Blended yield
2.19%
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Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

RMCA buys
0
SPHD buys
0
No recent congressional trades found for RMCA or SPHD in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricRMCASPHD
Forward yield4.48%4.33%
Annual dividend / share$1.08$2.14
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR0%0%
Portfolio after 10y$26.8K$26.5K
Annual income after 10y$597.20$571.32
Total dividends collected$5.3K$5.1K
Payment frequencyquarterlyquarterly
SectorStockETF

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

YearRMCA PortfolioRMCA Income/yrSPHD PortfolioSPHD Income/yrGap
1← crossover$11,148$448.12$11,133$432.85+$15.00RMCA
2$12,395$466.89$12,363$450.36+$32.00RMCA
3$13,748$485.16$13,695$467.39+$53.00RMCA
4$15,214$502.91$15,138$483.90+$76.00RMCA
5$16,799$520.10$16,697$499.88+$102.00RMCA
6$18,511$536.72$18,382$515.31+$129.00RMCA
7$20,360$552.75$20,198$530.17+$162.00RMCA
8$22,353$568.17$22,157$544.46+$196.00RMCA
9$24,501$582.99$24,266$558.18+$235.00RMCA
10$26,813$597.20$26,536$571.32+$277.00RMCA

RMCA vs SPHD: Complete Analysis 2026

RMCAStock

The fund is an actively managed exchange-traded fund (“ETF”) that seeks income exempt from U.S. federal and California state income tax by investing in California municipal bonds. Under normal circumstances, the fund will invest at least 80% of its net assets, plus borrowings for investment purposes, in debt securities whose interest is, in the opinion of bond counsel for the issuer at the time of issuance and under current tax law, exempt from regular U.S. federal income tax and California state income tax. The fund is non-diversified.

Full RMCA 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.