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BILS vs DIVO: Dividend Comparison 2026

BILS yields 3.96% · DIVO yields 6.62%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 DIVO wins by $5.1K in total portfolio value
10 years
BILS
BILS
● Live price
3.96%
Share price
$99.43
Annual div
$3.93
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$25.9K
Annual income
$510.14
Full BILS calculator →
DIVO
DIVO
● Live price
6.62%
Share price
$44.00
Annual div
$2.91
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$31.0K
Annual income
$1,008.47
Full DIVO calculator →

Portfolio growth — BILS vs DIVO

📍 DIVO 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 PeriodBILSDIVO
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, BILS + DIVO cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
BILS pays
DIVO pays
Both pay
Neither
💰

Tax Bracket Optimizer

Which stock is actually better after tax? Adjust your rate to find out.

BILS
Annual income on $10K today (after 15% tax)
$336.33/yr
After 10yr DRIP, annual income (after tax)
$433.62/yr
DIVO
Annual income on $10K today (after 15% tax)
$562.67/yr
After 10yr DRIP, annual income (after tax)
$857.20/yr
At 15% tax rate, DIVO beats the other by $423.58/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of BILS + DIVO for your $10,000?

BILS: 50%DIVO: 50%
100% DIVO50/50100% BILS
Portfolio after 10yr
$28.4K
Annual income
$759.31/yr
Blended yield
2.67%
🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

BILS buys
0
DIVO buys
0
No recent congressional trades found for BILS or DIVO in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricBILSDIVO
Forward yield3.96%6.62%
Annual dividend / share$3.93$2.91
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR0%0%
Portfolio after 10y$25.9K$31.0K
Annual income after 10y$510.14$1,008.47
Total dividends collected$4.6K$8.4K
Payment frequencyquarterlyquarterly
SectorStockETF

Year-by-year: BILS vs DIVO ($10,000, DRIP)

YearBILS PortfolioBILS Income/yrDIVO PortfolioDIVO Income/yrGap
1← crossover$11,096$395.69$11,362$661.96$266.00DIVO
2$12,283$410.32$12,860$702.91$577.00DIVO
3$13,567$424.50$14,504$743.56$937.00DIVO
4$14,955$438.21$16,303$783.73$1.3KDIVO
5$16,453$451.44$18,268$823.31$1.8KDIVO
6$18,069$464.17$20,408$862.17$2.3KDIVO
7$19,810$476.41$22,737$900.20$2.9KDIVO
8$21,685$488.15$25,266$937.31$3.6KDIVO
9$23,703$499.39$28,008$973.42$4.3KDIVO
10$25,872$510.14$30,977$1,008.47$5.1KDIVO

BILS vs DIVO: Complete Analysis 2026

BILSStock

The State Street SPDR Bloomberg 3-12 Month T-Bill ETF seeks to provide investment results that, before fees and expenses, correspond generally to the price and yield performance of the Bloomberg 3-12 Month U.S. Treasury Bill Index (the "Index")Seeks to provide exposure to publicly issued U.S. Treasury Bills that have remaining maturities between 3 and 12 monthsShort duration fixed income is less exposed to fluctuations in interest rates than longer duration securitiesRebalanced on the last business day of the month

Full BILS Calculator →

DIVOETF

DIVO is an ETF of high-quality large cap companies with a history of dividend and earnings growth, along with a tactical covered call* strategy on individual stocks. DIVO is strategically designed to offer high levels of total return on a risk-adjusted basis.

Full DIVO 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.