Home › Compare › CAFLX vs SPHD

CAFLX vs SPHD: Dividend Comparison 2026

CAFLX yields 3.89% · SPHD yields 4.00%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 SPHD wins by $2.3K in total portfolio value
10 years
CAFLX
CAFLX
● Live price
3.89%
Share price
$9.99
Annual div
$0.39
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$25.8K
Annual income
$499.29
Full CAFLX calculator →
SPHD
SPHD
● Live price
4.00%
Share price
$50.00
Annual div
$2.00
5Y div CAGR
5%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$28.0K
Annual income
$899.19
Full SPHD calculator →

Portfolio growth — CAFLX vs SPHD

📍 SPHD pulled ahead of the other in Year 1

Annual dividend income

🛡️

Recession Test — Did They Cut Dividends?

How each stock treated shareholders during the 3 biggest crises of the last 20 years

Crisis PeriodCAFLXSPHD
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%.
📅

Dividend Calendar Overlap

Combined, CAFLX + SPHD cover 0 of 12 months — good coverage

Jan
—
Feb
—
Mar
—
Apr
—
May
—
Jun
—
Jul
—
Aug
—
Sep
—
Oct
—
Nov
—
Dec
—
CAFLX pays
SPHD pays
Both pay
Neither
💰

Tax Bracket Optimizer

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

CAFLX
Annual income on $10K today (after 15% tax)
$330.59/yr
After 10yr DRIP, annual income (after tax)
$424.40/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 $339.92/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

CAFLX: 50%SPHD: 50%
100% SPHD50/50100% CAFLX
Portfolio after 10yr
$26.9K
Annual income
$699.25/yr
Blended yield
2.60%
🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

CAFLX buys
0
SPHD buys
0
No recent congressional trades found for CAFLX or SPHD in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricCAFLXSPHD
Forward yield3.89%4.00% ✓
Annual dividend / share$0.39$2.00 ✓
Payout ratio50%50%
1-year div growth0%5% ✓
5-year div CAGR0%5% ✓
Portfolio after 10y$25.8K$28.0K ✓
Annual income after 10y$499.29$899.19 ✓
Total dividends collected$4.5K$6.4K ✓
Payment frequencyquarterlyquarterly
SectorStockETF

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

YearCAFLX PortfolioCAFLX Income/yrSPHD PortfolioSPHD Income/yrGap
1← crossover$11,089$388.93$11,120$420.00$31.00 → SPHD
2$12,268$403.07$12,357$458.31$89.00 → SPHD
3$13,544$416.76$13,721$499.76$177.00 → SPHD
4$14,922$429.99$15,227$544.58$305.00 → SPHD
5$16,409$442.75$16,885$593.02$476.00 → SPHD
6$18,013$455.03$18,713$645.34$700.00 → SPHD
7$19,740$466.82$20,724$701.81$984.00 → SPHD
8$21,600$478.12$22,938$762.73$1.3K → SPHD
9$23,601$488.95$25,372$828.41$1.8K → SPHD
10$25,753$499.29$28,047$899.19$2.3K → SPHD

CAFLX vs SPHD: Complete Analysis 2026

CAFLX — Stock

PIMCO California Flexible Municipal Income Fund is a closed-end investment fund, which engages in investment activity. It seeks to provide current income exempt from federal and California income tax. The company was founded on February 8, 2022 and is headquartered in New York, NY.

Full CAFLX 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 →
📬

Get this CAFLX vs SPHD comparison by email

Save your analysis + weekly dividend insights. Free forever.

More comparisons

CAFLX vs SCHDCAFLX vs JEPICAFLX vs OCAFLX vs KOCAFLX vs MAIN

⚠️ Educational purposes only. Not financial advice. Congressional trades sourced from SEC STOCK Act filings via FMP. Past performance does not guarantee future results.