HomeCompareUNAM vs SPHD

UNAM vs SPHD: Dividend Comparison 2026

UNAM yields 2857.14% · SPHD yields 4.30%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 UNAM wins by $285724556560.06M in total portfolio value
10 years
UNAM
UNAM
● Live price
2857.14%
Share price
$0.07
Annual div
$2.00
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$285724556560.08M
Annual income
$267,319,527,558,731,650.00
Full UNAM calculator →
SPHD
SPHD
● Live price
4.30%
Share price
$49.61
Annual div
$2.14
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$26.5K
Annual income
$567.37
Full SPHD calculator →

Portfolio growth — UNAM vs SPHD

📍 UNAM pulled ahead of the other in Year 1

Annual dividend income

🛡️

Recession Test — Did They Cut Dividends?

How each stock treated shareholders during the 3 biggest crises of the last 20 years

Crisis PeriodUNAMSPHD
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%.
📅

Dividend Calendar Overlap

Combined, UNAM + SPHD cover 0 of 12 monthsgood coverage

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

Tax Bracket Optimizer

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

UNAM
Annual income on $10K today (after 15% tax)
$242,857.14/yr
After 10yr DRIP, annual income (after tax)
$227,221,598,424,921,900.00/yr
SPHD
Annual income on $10K today (after 15% tax)
$365.92/yr
After 10yr DRIP, annual income (after tax)
$482.26/yr
At 15% tax rate, UNAM beats the other by $227,221,598,424,921,400.00/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

UNAM: 50%SPHD: 50%
100% SPHD50/50100% UNAM
Portfolio after 10yr
$142862278280.05M
Annual income
$133,659,763,779,366,110.00/yr
Blended yield
93.56%
🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

UNAM buys
0
SPHD buys
0
No recent congressional trades found for UNAM or SPHD in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricUNAMSPHD
Forward yield2857.14%4.30%
Annual dividend / share$2.00$2.14
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR0%0%
Portfolio after 10y$285724556560.08M$26.5K
Annual income after 10y$267,319,527,558,731,650.00$567.37
Total dividends collected$284448663636.43M$5.0K
Payment frequencyquarterlyquarterly
SectorStockETF

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

YearUNAM PortfolioUNAM Income/yrSPHD PortfolioSPHD Income/yrGap
1← crossover$296,414$285,714.29$11,130$430.50+$285.3KUNAM
2$8,232,097$7,914,934.20$12,357$447.82+$8.22MUNAM
3$214,243,566$205,435,221.63$13,687$464.65+$214.23MUNAM
4$5,225,999,702$4,996,759,086.15$15,126$480.98+$5225.98MUNAM
5$119,502,966,841$113,911,147,159.88$16,682$496.78+$119502.95MUNAM
6$2,562,267,139,226$2,434,398,964,706.24$18,362$512.03+$2562267.12MUNAM
7$51,522,962,512,220$48,781,336,673,248.19$20,174$526.72+$51522962.49MUNAM
8$971,869,901,477,056$916,740,331,588,980.50$22,127$540.84+$971869901.45MUNAM
9$17,200,961,683,505,388$16,161,060,888,924,940.00$24,230$554.39+$17200961683.48MUNAM
10$285,724,556,560,082,430$267,319,527,558,731,650.00$26,493$567.37+$285724556560.06MUNAM

UNAM vs SPHD: Complete Analysis 2026

UNAMStock

Unico American Corporation, an insurance holding company, underwrites property and casualty insurance in Arizona, California, Nevada, Oregon, and Washington. The company offers property, casualty, health, and life insurance products, as well as insurance premium financing and membership association services. Its commercial property coverage insures against loss or damage to buildings, inventory, and equipment from natural disasters, including hurricanes, windstorms, hail, water, explosions, and severe winter weather, as well as other events, such as theft and vandalism, fires, storms, and financial loss due to business interruption resulting from covered property damage. The company also offers commercial liability coverage that insures against third party liability from accidents occurring on the insured's premises or arising out of its operation; and writes policies to insure commercial property and commercial liability risks on a mono-line basis. In addition, it provides group dental, vision, and life insurance policies. Unico American Corporation markets its insurance products primarily through a network of independent brokers and agents. The company was incorporated in 1969 and is headquartered in Calabasas, California.

Full UNAM 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 →
📬

Get this UNAM vs SPHD comparison by email

Save your analysis + weekly dividend insights. Free forever.

More comparisons

UNAM vs SCHDUNAM vs JEPIUNAM vs OUNAM vs KOUNAM vs MAIN

⚠️ Educational purposes only. Not financial advice. Congressional trades sourced from SEC STOCK Act filings via FMP. Past performance does not guarantee future results.