HomeCompareCRDT vs SPHD

CRDT vs SPHD: Dividend Comparison 2026

CRDT yields 6.91% · SPHD yields 4.33%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 CRDT wins by $5.0K in total portfolio value
10 years
CRDT
CRDT
● Live price
6.91%
Share price
$22.44
Annual div
$1.55
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$31.6K
Annual income
$1,071.25
Full CRDT 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 — CRDT vs SPHD

📍 CRDT 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 PeriodCRDTSPHD
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, CRDT + SPHD cover 0 of 12 monthsgood coverage

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

Tax Bracket Optimizer

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

CRDT
Annual income on $10K today (after 15% tax)
$587.12/yr
After 10yr DRIP, annual income (after tax)
$910.56/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, CRDT beats the other by $424.94/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

CRDT: 50%SPHD: 50%
100% SPHD50/50100% CRDT
Portfolio after 10yr
$29.1K
Annual income
$821.28/yr
Blended yield
2.83%
🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

CRDT buys
0
SPHD buys
0
No recent congressional trades found for CRDT or SPHD in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricCRDTSPHD
Forward yield6.91%4.33%
Annual dividend / share$1.55$2.14
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR0%0%
Portfolio after 10y$31.6K$26.5K
Annual income after 10y$1,071.25$571.32
Total dividends collected$8.9K$5.1K
Payment frequencyquarterlyquarterly
SectorStockETF

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

YearCRDT PortfolioCRDT Income/yrSPHD PortfolioSPHD Income/yrGap
1← crossover$11,391$690.73$11,133$432.85+$258.00CRDT
2$12,923$735.32$12,363$450.36+$560.00CRDT
3$14,608$779.68$13,695$467.39+$913.00CRDT
4$16,454$823.64$15,138$483.90+$1.3KCRDT
5$18,473$867.05$16,697$499.88+$1.8KCRDT
6$20,676$909.75$18,382$515.31+$2.3KCRDT
7$23,074$951.62$20,198$530.17+$2.9KCRDT
8$25,682$992.55$22,157$544.46+$3.5KCRDT
9$28,512$1,032.46$24,266$558.18+$4.2KCRDT
10$31,580$1,071.25$26,536$571.32+$5.0KCRDT

CRDT vs SPHD: Complete Analysis 2026

CRDTStock

The Simplify Opportunistic Income ETF (CRDT) seeks to provide current income, with long-term capital appreciation as a secondary objective. CRDT is an actively managed, opportunistic credit strategy focused on security selection within high-yield, investment grade, and distressed debt. By deploying a multi-step investment process that combines macroeconomic, quantitative, and fundamental research, the fund seeks to generate alpha that diversifies the traditional investment portfolio. The strategy is sub-advised by Asterozoa Capital, an alternatives manager focused on opportunistic investing across the capital structure while minimizing risks/correlations through portfolio construction and hedging.

Full CRDT 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.