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BILS vs SPHD: Dividend Comparison 2026

BILS yields 3.96% · SPHD yields 4.33%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 SPHD wins by $664.00 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 →
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 — BILS 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 PeriodBILSSPHD
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 + SPHD cover 0 of 12 monthsgood coverage

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

BILS
Annual income on $10K today (after 15% tax)
$336.33/yr
After 10yr DRIP, annual income (after tax)
$433.62/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 $52.00/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

BILS: 50%SPHD: 50%
100% SPHD50/50100% BILS
Portfolio after 10yr
$26.2K
Annual income
$540.73/yr
Blended yield
2.06%
🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

BILS buys
0
SPHD buys
0
No recent congressional trades found for BILS or SPHD in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricBILSSPHD
Forward yield3.96%4.33%
Annual dividend / share$3.93$2.14
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR0%0%
Portfolio after 10y$25.9K$26.5K
Annual income after 10y$510.14$571.32
Total dividends collected$4.6K$5.1K
Payment frequencyquarterlyquarterly
SectorStockETF

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

YearBILS PortfolioBILS Income/yrSPHD PortfolioSPHD Income/yrGap
1← crossover$11,096$395.69$11,133$432.85$37.00SPHD
2$12,283$410.32$12,363$450.36$80.00SPHD
3$13,567$424.50$13,695$467.39$128.00SPHD
4$14,955$438.21$15,138$483.90$183.00SPHD
5$16,453$451.44$16,697$499.88$244.00SPHD
6$18,069$464.17$18,382$515.31$313.00SPHD
7$19,810$476.41$20,198$530.17$388.00SPHD
8$21,685$488.15$22,157$544.46$472.00SPHD
9$23,703$499.39$24,266$558.18$563.00SPHD
10$25,872$510.14$26,536$571.32$664.00SPHD

BILS vs SPHD: 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 →

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.