Is ATFSX or SPHD a better dividend investment in 2026?

ATFSX currently yields 3.71% with a 5% 5-year dividend growth rate. SPHD yields 4.00% with 5% growth. The better choice depends on your goal: SPHD offers higher current income.

What is the dividend yield difference between ATFSX and SPHD?

ATFSX has a forward dividend yield of 3.71% ($0.41/share annually). SPHD yields 4.00% ($2.00/share annually). The yield gap is 0.29 percentage points.

Home › Compare › ATFSX vs SPHD

ATFSX vs SPHD: Dividend Comparison 2026

ATFSX yields 3.71% · SPHD yields 4.00%● Live data

vsPost on X →

After 10 years · $10,000 invested · DRIP enabled

🏆 SPHD wins by $2.6K in total portfolio value

INVESTMENT

TIME HORIZON10 years

ATFSX

● Live price

3.71%

Share price

$10.92

Annual div

$0.41

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$25.4K

Annual income

$471.14

Full ATFSX calculator →

SPHD

● Live price

4.00%

Share price

$50.00

Annual div

$2.00

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$28.0K

Annual income

$899.19

Full SPHD calculator →

Portfolio growth — ATFSX 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 Period	ATFSX	SPHD
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, ATFSX + SPHD cover 0 of 12 months — good coverage

Jan

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Feb

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Mar

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Apr

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May

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Jun

—

Jul

—

Aug

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Sep

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Oct

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Nov

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Dec

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ATFSX 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.

ATFSX

Annual income on $10K today (after 15% tax)

$315.48/yr

After 10yr DRIP, annual income (after tax)

$400.47/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 $363.84/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 ATFSX + SPHD for your $10,000?

ATFSX: 50%SPHD: 50%

100% SPHD50/50100% ATFSX

Portfolio after 10yr

$26.7K

Annual income

$685.17/yr

Blended yield

2.56%

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

ATFSX buys

SPHD buys

No recent congressional trades found for ATFSX or SPHD in the last 90 days.

STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →

MetricATFSXSPHD

Forward yield	3.71%	4.00% ✓
Annual dividend / share	$0.41	$2.00 ✓
Payout ratio	50%	50%
1-year div growth	0%	5% ✓
5-year div CAGR	0%	5% ✓
Portfolio after 10y	$25.4K	$28.0K ✓
Annual income after 10y	$471.14	$899.19 ✓
Total dividends collected	$4.2K	$6.4K ✓
Payment frequency	quarterly	quarterly
Sector	Stock	ETF

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

Year	ATFSX Portfolio	ATFSX Income/yr	SPHD Portfolio	SPHD Income/yr	Gap
1← crossover	$11,071	$371.15	$11,120	$420.00	$49.00 → SPHD
2	$12,230	$384.03	$12,357	$458.31	$127.00 → SPHD
3	$13,483	$396.48	$13,721	$499.76	$238.00 → SPHD
4	$14,835	$408.49	$15,227	$544.58	$392.00 → SPHD
5	$16,294	$420.06	$16,885	$593.02	$591.00 → SPHD
6	$17,865	$431.17	$18,713	$645.34	$848.00 → SPHD
7	$19,558	$441.84	$20,724	$701.81	$1.2K → SPHD
8	$21,379	$452.05	$22,938	$762.73	$1.6K → SPHD
9	$23,337	$461.81	$25,372	$828.41	$2.0K → SPHD
10	$25,442	$471.14	$28,047	$899.19	$2.6K → SPHD

ATFSX vs SPHD: Complete Analysis 2026

ATFSX — Stock

The fund invests, under normal circumstances, at least 80% of its net assets (plus any borrowings for investment purposes) in municipal debt securities that (1) pay interest that is excluded from gross income for federal income tax purposes, and (2) do not produce income that will be considered to be an item of preference for purposes of the alternative minimum tax. At least 80% of its net assets will normally be invested in investment grade municipal debt securities. The advisor will attempt to maintain a dollar-weighted average effective portfolio maturity of five years or less.

Full ATFSX Calculator →

SPHD — ETF

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.