HomeCompareCREDX vs SPHD

CREDX vs SPHD: Dividend Comparison 2026

CREDX yields 8.45% · SPHD yields 4.30%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 CREDX wins by $8.5K in total portfolio value
10 years
CREDX
CREDX
● Live price
8.45%
Share price
$8.00
Annual div
$0.68
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$35.0K
Annual income
$1,440.66
Full CREDX calculator →
SPHD
SPHD
● Live price
4.30%
Share price
$49.61
Annual div
$2.14
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$26.5K
Annual income
$567.37
Full SPHD calculator →

Portfolio growth — CREDX vs SPHD

📍 CREDX 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 PeriodCREDXSPHD
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, CREDX + SPHD cover 0 of 12 monthsgood coverage

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

CREDX
Annual income on $10K today (after 15% tax)
$718.07/yr
After 10yr DRIP, annual income (after tax)
$1,224.56/yr
SPHD
Annual income on $10K today (after 15% tax)
$365.92/yr
After 10yr DRIP, annual income (after tax)
$482.26/yr
At 15% tax rate, CREDX beats the other by $742.30/year in after-tax income after 10 years on $10,000
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Lazy Portfolio Split Optimizer

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

CREDX: 50%SPHD: 50%
100% SPHD50/50100% CREDX
Portfolio after 10yr
$30.7K
Annual income
$1,004.01/yr
Blended yield
3.27%
🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

CREDX buys
0
SPHD buys
0
No recent congressional trades found for CREDX or SPHD in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricCREDXSPHD
Forward yield8.45%4.30%
Annual dividend / share$0.68$2.14
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR0%0%
Portfolio after 10y$35.0K$26.5K
Annual income after 10y$1,440.66$567.37
Total dividends collected$11.5K$5.0K
Payment frequencyquarterlyquarterly
SectorStockETF

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

YearCREDX PortfolioCREDX Income/yrSPHD PortfolioSPHD Income/yrGap
1← crossover$11,545$844.79$11,130$430.50+$415.00CREDX
2$13,264$911.49$12,357$447.82+$907.00CREDX
3$15,172$978.74$13,687$464.65+$1.5KCREDX
4$17,280$1,046.23$15,126$480.98+$2.2KCREDX
5$19,603$1,113.66$16,682$496.78+$2.9KCREDX
6$22,156$1,180.74$18,362$512.03+$3.8KCREDX
7$24,954$1,247.21$20,174$526.72+$4.8KCREDX
8$28,014$1,312.82$22,127$540.84+$5.9KCREDX
9$31,352$1,377.37$24,230$554.39+$7.1KCREDX
10$34,988$1,440.66$26,493$567.37+$8.5KCREDX

CREDX vs SPHD: Complete Analysis 2026

CREDXStock

BlackRock Credit Strategies Fund, a traded business development company invests in companies located in the United States. The fund focuses across a broad range of sectors and industries. It provides financing for private, structured, opportunistic and tactical credit.

Full CREDX 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.