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CRDIX vs SPHD: Dividend Comparison 2026

CRDIX yields 7.81% · SPHD yields 4.00%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 CRDIX wins by $5.5K in total portfolio value
10 years
CRDIX
CRDIX
● Live price
7.81%
Share price
$22.41
Annual div
$1.75
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$33.5K
Annual income
$1,280.50
Full CRDIX 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 — CRDIX vs SPHD

📍 CRDIX 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 PeriodCRDIXSPHD
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, CRDIX + SPHD cover 0 of 12 months — good coverage

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

Tax Bracket Optimizer

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

CRDIX
Annual income on $10K today (after 15% tax)
$663.78/yr
After 10yr DRIP, annual income (after tax)
$1,088.43/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, CRDIX beats the other by $324.11/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

CRDIX: 50%SPHD: 50%
100% SPHD50/50100% CRDIX
Portfolio after 10yr
$30.8K
Annual income
$1,089.85/yr
Blended yield
3.54%
🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

CRDIX buys
0
SPHD buys
0
No recent congressional trades found for CRDIX or SPHD in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricCRDIXSPHD
Forward yield7.81% ✓4.00%
Annual dividend / share$1.75$2.00 ✓
Payout ratio50%50%
1-year div growth0%5% ✓
5-year div CAGR0%5% ✓
Portfolio after 10y$33.5K ✓$28.0K
Annual income after 10y$1,280.50 ✓$899.19
Total dividends collected$10.3K ✓$6.4K
Payment frequencyquarterlyquarterly
SectorStockETF

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

YearCRDIX PortfolioCRDIX Income/yrSPHD PortfolioSPHD Income/yrGap
1← crossover$11,481$780.92$11,120$420.00+$361.00 → CRDIX
2$13,122$837.91$12,357$458.31+$765.00 → CRDIX
3$14,936$895.07$13,721$499.76+$1.2K → CRDIX
4$16,934$952.12$15,227$544.58+$1.7K → CRDIX
5$19,128$1,008.85$16,885$593.02+$2.2K → CRDIX
6$21,532$1,065.02$18,713$645.34+$2.8K → CRDIX
7$24,160$1,120.44$20,724$701.81+$3.4K → CRDIX
8$27,026$1,174.93$22,938$762.73+$4.1K → CRDIX
9$30,146$1,228.33$25,372$828.41+$4.8K → CRDIX
10$33,537$1,280.50$28,047$899.19+$5.5K → CRDIX

CRDIX vs SPHD: Complete Analysis 2026

CRDIX — Stock

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

Full CRDIX 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.