HomeCompareVNJTX vs SPHD

VNJTX vs SPHD: Dividend Comparison 2026

VNJTX yields 3.31% · SPHD yields 4.00%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 SPHD wins by $6.4K in total portfolio value
10 years
VNJTX
VNJTX
● Live price
3.31%
Share price
$11.29
Annual div
$0.37
5Y div CAGR
-19.6%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$21.6K
Annual income
$40.99
Full VNJTX calculator →
SPHD
SPHD
● Live price
4.00%
Share price
$50.00
Annual div
$2.00
5Y div CAGR
5%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$28.0K
Annual income
$899.19
Full SPHD calculator →

Portfolio growth — VNJTX 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 PeriodVNJTXSPHD
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, VNJTX + SPHD cover 0 of 12 monthsgood coverage

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

VNJTX
Annual income on $10K today (after 15% tax)
$281.63/yr
After 10yr DRIP, annual income (after tax)
$34.84/yr
SPHD
Annual income on $10K today (after 15% tax)
$340.00/yr
After 10yr DRIP, annual income (after tax)
$764.31/yr
At 15% tax rate, SPHD beats the other by $729.47/year in after-tax income after 10 years on $10,000
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Lazy Portfolio Split Optimizer

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

VNJTX: 50%SPHD: 50%
100% SPHD50/50100% VNJTX
Portfolio after 10yr
$24.8K
Annual income
$470.10/yr
Blended yield
1.89%
🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

VNJTX buys
0
SPHD buys
0
No recent congressional trades found for VNJTX or SPHD in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricVNJTXSPHD
Forward yield3.31%4.00%
Annual dividend / share$0.37$2.00
Payout ratio50%50%
1-year div growth0%5%
5-year div CAGR-19.6%5%
Portfolio after 10y$21.6K$28.0K
Annual income after 10y$40.99$899.19
Total dividends collected$1.3K$6.4K
Payment frequencyquarterlyquarterly
SectorStockETF

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

YearVNJTX PortfolioVNJTX Income/yrSPHD PortfolioSPHD Income/yrGap
1← crossover$10,966$266.39$11,120$420.00$154.00SPHD
2$11,954$219.51$12,357$458.31$403.00SPHD
3$12,970$179.79$13,721$499.76$751.00SPHD
4$14,025$146.58$15,227$544.58$1.2KSPHD
5$15,125$119.09$16,885$593.02$1.8KSPHD
6$16,281$96.51$18,713$645.34$2.4KSPHD
7$17,498$78.06$20,724$701.81$3.2KSPHD
8$18,786$63.04$22,938$762.73$4.2KSPHD
9$20,152$50.86$25,372$828.41$5.2KSPHD
10$21,604$40.99$28,047$899.19$6.4KSPHD

VNJTX vs SPHD: Complete Analysis 2026

VNJTXStock

The fund’s investment objective is to seek to provide current income that is exempt from both federal and New Jersey personal income taxes. The fund is intended for New Jersey residents only. It invests primarily in high-quality municipal bonds issued by New Jersey state and local governments, as well as by regional government and public financing authorities. Under normal circumstances, at least 80% of the fund’s assets will be invested in securities whose income is exempt from federal and New Jersey state taxes. Although the fund has no limitations on the maturities of individual securities, its dollar-weighted average maturity is expected to be between 10 and 25 years. The fund has an average duration of approximately 6-10 years, making its share price considerably more susceptible to changes in interest rates than shorter-term bond funds. Investors who are looking for a fund that may provide federal and New Jersey state tax-exempt interest income and can tolerate interest rate risk may wish to consider this fund.

Full VNJTX Calculator →

SPHDETF

SPHD is a dividend-paying stock. Use this calculator to estimate your future dividend income, DRIP compounding returns, and passive income potential from investing in SPHD shares.

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.