HomeCompareXRT vs SPHD

XRT vs SPHD: Dividend Comparison 2026

XRT yields 0.86% · SPHD yields 4.33%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 SPHD wins by $5.6K in total portfolio value
10 years
XRT
XRT
● Live price
0.86%
Share price
$80.20
Annual div
$0.69
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$20.9K
Annual income
$91.29
Full XRT 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 — XRT 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 PeriodXRTSPHD
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, XRT + SPHD cover 0 of 12 monthsgood coverage

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

XRT
Annual income on $10K today (after 15% tax)
$73.37/yr
After 10yr DRIP, annual income (after tax)
$77.60/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 $408.03/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

XRT: 50%SPHD: 50%
100% SPHD50/50100% XRT
Portfolio after 10yr
$23.7K
Annual income
$331.31/yr
Blended yield
1.40%
🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

XRT buys
0
SPHD buys
0
No recent congressional trades found for XRT or SPHD in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricXRTSPHD
Forward yield0.86%4.33%
Annual dividend / share$0.69$2.14
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR0%0%
Portfolio after 10y$20.9K$26.5K
Annual income after 10y$91.29$571.32
Total dividends collected$890.00$5.1K
Payment frequencyquarterlyquarterly
SectorStockETF

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

YearXRT PortfolioXRT Income/yrSPHD PortfolioSPHD Income/yrGap
1← crossover$10,786$86.32$11,133$432.85$347.00SPHD
2$11,628$87.01$12,363$450.36$735.00SPHD
3$12,530$87.67$13,695$467.39$1.2KSPHD
4$13,495$88.29$15,138$483.90$1.6KSPHD
5$14,529$88.87$16,697$499.88$2.2KSPHD
6$15,635$89.42$18,382$515.31$2.7KSPHD
7$16,820$89.93$20,198$530.17$3.4KSPHD
8$18,088$90.41$22,157$544.46$4.1KSPHD
9$19,445$90.87$24,266$558.18$4.8KSPHD
10$20,897$91.29$26,536$571.32$5.6KSPHD

XRT vs SPHD: Complete Analysis 2026

XRTStock

The State Street SPDR S&P Retail ETF seeks to provide investment results that, before fees and expenses, correspond generally to the total return performance of the S&P Retail Select Industry Index (the "Index")Seeks to provide exposure the retail segment of the S&P TMI, which comprises the following sub-industries: Apparel Retail, Automotive Retail, Broadline Retail, Computer & Electronic Retail, Consumer Staples Merchandise Retail, Drug Retail, Food Retailers, and Other Specialty Retail.Seeks to track a modified equal weighted index which provides the potential for unconcentrated industry exposure across large, mid and small cap stocksAllows investors to take strategic or tactical positions at a more targeted level than traditional sector based investing

Full XRT 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.