HomeCompareTFJL vs SPHD

TFJL vs SPHD: Dividend Comparison 2026

TFJL yields 10.17% · SPHD yields 4.33%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 TFJL wins by $12.7K in total portfolio value
10 years
TFJL
TFJL
● Live price
10.17%
Share price
$19.66
Annual div
$2.00
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$39.2K
Annual income
$1,927.12
Full TFJL 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 — TFJL vs SPHD

📍 TFJL 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 PeriodTFJLSPHD
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, TFJL + SPHD cover 0 of 12 monthsgood coverage

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

TFJL
Annual income on $10K today (after 15% tax)
$864.70/yr
After 10yr DRIP, annual income (after tax)
$1,638.05/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, TFJL beats the other by $1,152.43/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

TFJL: 50%SPHD: 50%
100% SPHD50/50100% TFJL
Portfolio after 10yr
$32.9K
Annual income
$1,249.22/yr
Blended yield
3.80%
🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

TFJL buys
0
SPHD buys
0
No recent congressional trades found for TFJL or SPHD in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricTFJLSPHD
Forward yield10.17%4.33%
Annual dividend / share$2.00$2.14
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR0%0%
Portfolio after 10y$39.2K$26.5K
Annual income after 10y$1,927.12$571.32
Total dividends collected$14.7K$5.1K
Payment frequencyquarterlyquarterly
SectorStockETF

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

YearTFJL PortfolioTFJL Income/yrSPHD PortfolioSPHD Income/yrGap
1← crossover$11,717$1,017.29$11,133$432.85+$584.00TFJL
2$13,652$1,114.01$12,363$450.36+$1.3KTFJL
3$15,820$1,213.00$13,695$467.39+$2.1KTFJL
4$18,241$1,313.73$15,138$483.90+$3.1KTFJL
5$20,934$1,415.68$16,697$499.88+$4.2KTFJL
6$23,918$1,518.37$18,382$515.31+$5.5KTFJL
7$27,213$1,621.29$20,198$530.17+$7.0KTFJL
8$30,842$1,724.00$22,157$544.46+$8.7KTFJL
9$34,827$1,826.08$24,266$558.18+$10.6KTFJL
10$39,192$1,927.12$26,536$571.32+$12.7KTFJL

TFJL vs SPHD: Complete Analysis 2026

TFJLStock

The Innovator 20+ Year Treasury Bond 5 Floor ETF seeks to provide the upside performance of the price return of the iShares 20+ Year Treasury Bond ETF (TLT), to a cap, and a maximum loss of 5% over the outcome period.

Full TFJL 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.