HomeCompareRTAI vs SPHD

RTAI vs SPHD: Dividend Comparison 2026

RTAI yields 5.52% · SPHD yields 4.33%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 RTAI wins by $2.2K in total portfolio value
10 years
RTAI
RTAI
● Live price
5.52%
Share price
$20.68
Annual div
$1.14
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$28.8K
Annual income
$785.22
Full RTAI 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 — RTAI vs SPHD

📍 RTAI 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 PeriodRTAISPHD
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, RTAI + SPHD cover 0 of 12 monthsgood coverage

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

Tax Bracket Optimizer

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

RTAI
Annual income on $10K today (after 15% tax)
$469.19/yr
After 10yr DRIP, annual income (after tax)
$667.44/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, RTAI beats the other by $181.82/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

RTAI: 50%SPHD: 50%
100% SPHD50/50100% RTAI
Portfolio after 10yr
$27.7K
Annual income
$678.27/yr
Blended yield
2.45%
🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

RTAI buys
0
SPHD buys
0
No recent congressional trades found for RTAI or SPHD in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricRTAISPHD
Forward yield5.52%4.33%
Annual dividend / share$1.14$2.14
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR0%0%
Portfolio after 10y$28.8K$26.5K
Annual income after 10y$785.22$571.32
Total dividends collected$6.7K$5.1K
Payment frequencyquarterlyquarterly
SectorStockETF

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

YearRTAI PortfolioRTAI Income/yrSPHD PortfolioSPHD Income/yrGap
1← crossover$11,252$551.99$11,133$432.85+$119.00RTAI
2$12,620$580.47$12,363$450.36+$257.00RTAI
3$14,112$608.45$13,695$467.39+$417.00RTAI
4$15,736$635.87$15,138$483.90+$598.00RTAI
5$17,500$662.65$16,697$499.88+$803.00RTAI
6$19,414$688.73$18,382$515.31+$1.0KRTAI
7$21,487$714.06$20,198$530.17+$1.3KRTAI
8$23,729$738.61$22,157$544.46+$1.6KRTAI
9$26,153$762.34$24,266$558.18+$1.9KRTAI
10$28,768$785.22$26,536$571.32+$2.2KRTAI

RTAI vs SPHD: Complete Analysis 2026

RTAIStock

Under normal market conditions, the fund will invest in municipal bond closed-end funds trading at a discount or premium to their underlying net asset value and that pay regular periodic cash distributions. While it will invest primarily in closed-end funds, the fund may invest up to 30% of its assets in municipal or short term Treasury ETFs if in the adviser's discretion, the ETFs will provide a better investment opportunity or liquidity for the asset class. It is non-diversified.

Full RTAI 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.