HomeCompareXTOC vs SPHD

XTOC vs SPHD: Dividend Comparison 2026

XTOC yields 6.17% · SPHD yields 4.33%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 XTOC wins by $3.5K in total portfolio value
10 years
XTOC
XTOC
● Live price
6.17%
Share price
$32.43
Annual div
$2.00
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$30.1K
Annual income
$913.47
Full XTOC 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 — XTOC vs SPHD

📍 XTOC 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 PeriodXTOCSPHD
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, XTOC + SPHD cover 0 of 12 monthsgood coverage

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

XTOC
Annual income on $10K today (after 15% tax)
$524.21/yr
After 10yr DRIP, annual income (after tax)
$776.45/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, XTOC beats the other by $290.83/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

XTOC: 50%SPHD: 50%
100% SPHD50/50100% XTOC
Portfolio after 10yr
$28.3K
Annual income
$742.39/yr
Blended yield
2.62%
🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

XTOC buys
0
SPHD buys
0
No recent congressional trades found for XTOC or SPHD in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricXTOCSPHD
Forward yield6.17%4.33%
Annual dividend / share$2.00$2.14
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR0%0%
Portfolio after 10y$30.1K$26.5K
Annual income after 10y$913.47$571.32
Total dividends collected$7.7K$5.1K
Payment frequencyquarterlyquarterly
SectorStockETF

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

YearXTOC PortfolioXTOC Income/yrSPHD PortfolioSPHD Income/yrGap
1← crossover$11,317$616.71$11,133$432.85+$184.00XTOC
2$12,761$652.26$12,363$450.36+$398.00XTOC
3$14,342$687.39$13,695$467.39+$647.00XTOC
4$16,068$722.00$15,138$483.90+$930.00XTOC
5$17,948$755.97$16,697$499.88+$1.3KXTOC
6$19,994$789.21$18,382$515.31+$1.6KXTOC
7$22,215$821.64$20,198$530.17+$2.0KXTOC
8$24,624$853.19$22,157$544.46+$2.5KXTOC
9$27,231$883.82$24,266$558.18+$3.0KXTOC
10$30,051$913.47$26,536$571.32+$3.5KXTOC

XTOC vs SPHD: Complete Analysis 2026

XTOCStock

The U.S. Equity Accelerated Plus ETF seeks to provide triple (3x) the upside return of SPY (SPDR S&P 500 ETF Trust), to a cap, with approximately single exposure to the downside, over an annual outcome period. The ETF can be held indefinitely, resetting at the end of each outcome period.

Full XTOC 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.