HomeCompareTRFFX vs SPHD

TRFFX vs SPHD: Dividend Comparison 2026

TRFFX yields 4.81% · SPHD yields 4.33%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 TRFFX wins by $891.00 in total portfolio value
10 years
TRFFX
TRFFX
● Live price
4.81%
Share price
$20.51
Annual div
$0.99
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$27.4K
Annual income
$655.27
Full TRFFX 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 — TRFFX vs SPHD

📍 TRFFX 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 PeriodTRFFXSPHD
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, TRFFX + SPHD cover 0 of 12 monthsgood coverage

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

TRFFX
Annual income on $10K today (after 15% tax)
$409.25/yr
After 10yr DRIP, annual income (after tax)
$556.98/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, TRFFX beats the other by $71.36/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

TRFFX: 50%SPHD: 50%
100% SPHD50/50100% TRFFX
Portfolio after 10yr
$27.0K
Annual income
$613.29/yr
Blended yield
2.27%
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Analyst Conviction Gap

Where Wall Street is most bullish on TRFFX right now

TRFFX
Analyst Ratings
2
Buy
3
Hold
Consensus: Hold
SPHD
No analyst data
Analyst ratings via FMP. Altman Z-Score: >3.0 safe, 1.81–3.0 grey zone, <1.81 distress. Piotroski: 7–9 strong, 0–3 weak.
🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

TRFFX buys
0
SPHD buys
0
No recent congressional trades found for TRFFX or SPHD in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricTRFFXSPHD
Forward yield4.81%4.33%
Annual dividend / share$0.99$2.14
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR0%0%
Portfolio after 10y$27.4K$26.5K
Annual income after 10y$655.27$571.32
Total dividends collected$5.7K$5.1K
Payment frequencyquarterlyquarterly
SectorStockETF

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

YearTRFFX PortfolioTRFFX Income/yrSPHD PortfolioSPHD Income/yrGap
1← crossover$11,181$481.47$11,133$432.85+$48.00TRFFX
2$12,467$503.14$12,363$450.36+$104.00TRFFX
3$13,864$524.30$13,695$467.39+$169.00TRFFX
4$15,380$544.90$15,138$483.90+$242.00TRFFX
5$17,021$564.92$16,697$499.88+$324.00TRFFX
6$18,797$584.31$18,382$515.31+$415.00TRFFX
7$20,716$603.06$20,198$530.17+$518.00TRFFX
8$22,787$621.14$22,157$544.46+$630.00TRFFX
9$25,021$638.54$24,266$558.18+$755.00TRFFX
10$27,427$655.27$26,536$571.32+$891.00TRFFX

TRFFX vs SPHD: Complete Analysis 2026

TRFFXStock

The investment seeks the highest total return over time consistent with an emphasis on both capital growth and income. The fund pursues its objective by investing in a diversified portfolio of other T. Rowe Price stock and bond mutual funds that represent various asset classes and sectors. It is managed based on the specific retirement year (target date 2055) included in its name and assumes a retirement age of 65. The target date refers to the approximate year an investor in the fund would plan to retire and likely stop making new investments in the fund.

Full TRFFX 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.