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CERT vs HDV: Dividend Comparison 2026

CERT yields 4.00% · HDV yields 3.70% · See full DRIP projection below

vsEnter any two US tickers
After 10 years · $10,000 invested · DRIP enabled
🏆 CERT wins by $609.00 in total portfolio value
10 years
CERT
CERT
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 CERT calculator →
HDV
iShares Core High Dividend ETF
3.70%
Share price
$108.20
Annual div
$4.00
5Y div CAGR
4.8%
Payout ratio
55%
After 10 yrs · $10,000 · DRIP
Portfolio value
$27.4K
Annual income
$792.81
Full HDV calculator →

Portfolio growth — CERT vs HDV

Annual dividend income

MetricCERTHDV
Forward yield4.00%3.70%
Annual dividend / share$2.00$4.00
Payout ratio50%55%
1-year div growth5%4.2%
5-year div CAGR5%4.8%
Portfolio after 10y$28.0K$27.4K
Annual income after 10y$899.19$792.81
Total dividends collected$6.4K$5.7K
Payment frequencyquarterlyquarterly
SectorStockETF

Year-by-year: CERT vs HDV ($10,000, DRIP)

YearCERT PortfolioCERT Income/yrHDV PortfolioHDV Income/yrGap
1$11,120$420.00$11,097$387.43+$23.00CERT
2$12,357$458.31$12,306$420.72+$51.00CERT
3$13,721$499.76$13,636$456.52+$85.00CERT
4$15,227$544.58$15,099$495.00+$128.00CERT
5$16,885$593.02$16,708$536.34+$177.00CERT
6$18,713$645.34$18,475$580.73+$238.00CERT
7$20,724$701.81$20,415$628.36+$309.00CERT
8$22,938$762.73$22,544$679.43+$394.00CERT
9$25,372$828.41$24,879$734.17+$493.00CERT
10$28,047$899.19$27,438$792.81+$609.00CERT

CERT vs HDV: Complete Analysis 2026

CERTStock

CERT is a dividend-paying stock. Use this calculator to estimate your future dividend income, DRIP compounding returns, and passive income potential from investing in CERT shares.

Full CERT Calculator →

HDVETF

HDV screens for dividend sustainability using Morningstar's economic moat methodology — only companies with wide or narrow moats qualify. Its concentrated portfolio of ~75 holdings represents high-conviction dividend payers in healthcare, energy, and consumer staples. Higher yield than SCHD with similar quality focus.

Full HDV Calculator →

Frequently Asked Questions

Is CERT or HDV better for dividend income in 2026?
CERT currently offers a 4.00% yield (2.00/share/year) while HDV offers 3.70% (4.00/share/year). CERT provides higher current income. However, CERT has grown its dividend faster (5% 5Y CAGR), which may lead to better long-term income through compounding.
How much would $10,000 in CERT vs HDV earn per year?
With $10,000 invested today: CERT pays approximately $400/year. HDV pays approximately $370/year. With DRIP reinvestment over 10 years, these grow to $899/year (CERT) and $793/year (HDV).
Does CERT or HDV pay monthly dividends?
CERT pays quarterly dividends. HDV pays quarterly dividends. Neither pay monthly — both use a quarterly schedule, which is preferred by investors who need regular cash flow.
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⚠️ Educational purposes only. Not financial advice. All projections use historical data; actual results will vary.