HomeCompareUCRD vs SPHD

UCRD vs SPHD: Dividend Comparison 2026

UCRD yields 4.15% · SPHD yields 4.33%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 SPHD wins by $319.00 in total portfolio value
10 years
UCRD
UCRD
● Live price
4.15%
Share price
$21.49
Annual div
$0.89
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$26.2K
Annual income
$541.84
Full UCRD 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 — UCRD vs SPHD

📍 SPHD 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 PeriodUCRDSPHD
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, UCRD + SPHD cover 0 of 12 monthsgood coverage

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

UCRD
Annual income on $10K today (after 15% tax)
$352.86/yr
After 10yr DRIP, annual income (after tax)
$460.56/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, SPHD beats the other by $25.06/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

UCRD: 50%SPHD: 50%
100% SPHD50/50100% UCRD
Portfolio after 10yr
$26.4K
Annual income
$556.58/yr
Blended yield
2.11%
🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

UCRD buys
0
SPHD buys
0
No recent congressional trades found for UCRD or SPHD in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricUCRDSPHD
Forward yield4.15%4.33%
Annual dividend / share$0.89$2.14
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR0%0%
Portfolio after 10y$26.2K$26.5K
Annual income after 10y$541.84$571.32
Total dividends collected$4.8K$5.1K
Payment frequencyquarterlyquarterly
SectorStockETF

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

YearUCRD PortfolioUCRD Income/yrSPHD PortfolioSPHD Income/yrGap
1← crossover$11,115$415.13$11,133$432.85$18.00SPHD
2$12,324$431.24$12,363$450.36$39.00SPHD
3$13,634$446.88$13,695$467.39$61.00SPHD
4$15,050$462.02$15,138$483.90$88.00SPHD
5$16,581$476.65$16,697$499.88$116.00SPHD
6$18,232$490.76$18,382$515.31$150.00SPHD
7$20,013$504.34$20,198$530.17$185.00SPHD
8$21,931$517.37$22,157$544.46$226.00SPHD
9$23,996$529.87$24,266$558.18$270.00SPHD
10$26,217$541.84$26,536$571.32$319.00SPHD

UCRD vs SPHD: Complete Analysis 2026

UCRDStock

Under normal circumstances, the fund invests at least 80% of its net assets in corporate bonds, and in related derivatives and other instruments that have economic characteristics similar to corporate bonds. The fund will invest primarily in investment-grade securities, but may invest up to 10% of its net assets in below-investment-grade corporate credit securities, which are sometimes referred to as high-yield or “junk” bonds.

Full UCRD 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.