Is BCSAX or SPHD a better dividend investment in 2026?

BCSAX currently yields 2.42% 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 BCSAX and SPHD?

BCSAX has a forward dividend yield of 2.42% ($0.30/share annually). SPHD yields 4.00% ($2.00/share annually). The yield gap is 1.58 percentage points.

Home › Compare › BCSAX vs SPHD

BCSAX vs SPHD: Dividend Comparison 2026

BCSAX yields 2.42% · SPHD yields 4.00%● Live data

vsPost on X →

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

🏆 SPHD wins by $4.8K in total portfolio value

INVESTMENT

TIME HORIZON10 years

BCSAX

● Live price

2.42%

Share price

$12.32

Annual div

$0.30

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$23.3K

Annual income

$282.49

Full BCSAX 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 — BCSAX 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	BCSAX	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, BCSAX + SPHD cover 0 of 12 months — good coverage

Jan

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Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

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Sep

—

Oct

—

Nov

—

Dec

—

BCSAX 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.

BCSAX

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

$205.42/yr

After 10yr DRIP, annual income (after tax)

$240.12/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 $524.20/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 BCSAX + SPHD for your $10,000?

BCSAX: 50%SPHD: 50%

100% SPHD50/50100% BCSAX

Portfolio after 10yr

$25.7K

Annual income

$590.84/yr

Blended yield

2.30%

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

BCSAX buys

SPHD buys

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

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

MetricBCSAXSPHD

Forward yield	2.42%	4.00% ✓
Annual dividend / share	$0.30	$2.00 ✓
Payout ratio	50%	50%
1-year div growth	0%	5% ✓
5-year div CAGR	0%	5% ✓
Portfolio after 10y	$23.3K	$28.0K ✓
Annual income after 10y	$282.49	$899.19 ✓
Total dividends collected	$2.6K	$6.4K ✓
Payment frequency	quarterly	quarterly
Sector	Stock	ETF

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

Year	BCSAX Portfolio	BCSAX Income/yr	SPHD Portfolio	SPHD Income/yr	Gap
1← crossover	$10,942	$241.67	$11,120	$420.00	$178.00 → SPHD
2	$11,955	$247.13	$12,357	$458.31	$402.00 → SPHD
3	$13,044	$252.35	$13,721	$499.76	$677.00 → SPHD
4	$14,214	$257.33	$15,227	$544.58	$1.0K → SPHD
5	$15,471	$262.07	$16,885	$593.02	$1.4K → SPHD
6	$16,821	$266.59	$18,713	$645.34	$1.9K → SPHD
7	$18,269	$270.88	$20,724	$701.81	$2.5K → SPHD
8	$19,823	$274.96	$22,938	$762.73	$3.1K → SPHD
9	$21,490	$278.82	$25,372	$828.41	$3.9K → SPHD
10	$23,276	$282.49	$28,047	$899.19	$4.8K → SPHD

BCSAX vs SPHD: Complete Analysis 2026

BCSAX — Stock

The adviser utilizes two strategies and under normal circumstances expects to invest approximately 50% of its total assets in each strategy. One strategy focuses on investments in commodity-linked derivatives. To meet coverage and collateral requirements associated with these derivative investments, and to invest excess cash, the fund holds a portion of its portfolio in investment-grade short-term fixed-income securities. The other strategy focuses on equity investments in commodity-related companies, including, but not limited to, companies operating in the mining, energy and agricultural sectors.

Full BCSAX 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.