Is FLIA or SPHD a better dividend investment in 2026?

FLIA currently yields 2.61% with a 5% 5-year dividend growth rate. SPHD yields 4.00% with 5% growth. The better choice depends on your goal: SPHD offers higher current income.

What is the dividend yield difference between FLIA and SPHD?

FLIA has a forward dividend yield of 2.61% ($0.53/share annually). SPHD yields 4.00% ($2.00/share annually). The yield gap is 1.39 percentage points.

Home › Compare › FLIA vs SPHD

FLIA vs SPHD: Dividend Comparison 2026

FLIA yields 2.61% · SPHD yields 4.00%● Live data

vsPost on X →

After 10 years · $10,000 invested · DRIP enabled

🏆 SPHD wins by $4.5K in total portfolio value

INVESTMENT

TIME HORIZON10 years

FLIA

● Live price

2.61%

Share price

$20.26

Annual div

$0.53

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$23.6K

Annual income

$309.26

Full FLIA calculator →

SPHD

● Live price

4.00%

Share price

$50.00

Annual div

$2.00

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$28.0K

Annual income

$899.19

Full SPHD calculator →

Portfolio growth — FLIA 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 Period	FLIA	SPHD
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, FLIA + SPHD cover 0 of 12 months — good coverage

Jan

—

Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

FLIA pays

SPHD pays

Both pay

Neither

💰

Tax Bracket Optimizer

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

FLIA

Annual income on $10K today (after 15% tax)

$222.09/yr

After 10yr DRIP, annual income (after tax)

$262.87/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 $501.44/year in after-tax income after 10 years on $10,000

⚖️

Lazy Portfolio Split Optimizer

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

FLIA: 50%SPHD: 50%

100% SPHD50/50100% FLIA

Portfolio after 10yr

$25.8K

Annual income

$604.23/yr

Blended yield

2.34%

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

FLIA buys

SPHD buys

No recent congressional trades found for FLIA or SPHD in the last 90 days.

STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →

MetricFLIASPHD

Forward yield	2.61%	4.00% ✓
Annual dividend / share	$0.53	$2.00 ✓
Payout ratio	50%	50%
1-year div growth	0%	5% ✓
5-year div CAGR	0%	5% ✓
Portfolio after 10y	$23.6K	$28.0K ✓
Annual income after 10y	$309.26	$899.19 ✓
Total dividends collected	$2.9K	$6.4K ✓
Payment frequency	quarterly	quarterly
Sector	Stock	ETF

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

Year	FLIA Portfolio	FLIA Income/yr	SPHD Portfolio	SPHD Income/yr	Gap
1← crossover	$10,961	$261.28	$11,120	$420.00	$159.00 → SPHD
2	$11,996	$267.66	$12,357	$458.31	$361.00 → SPHD
3	$13,110	$273.77	$13,721	$499.76	$611.00 → SPHD
4	$14,307	$279.61	$15,227	$544.58	$920.00 → SPHD
5	$15,594	$285.18	$16,885	$593.02	$1.3K → SPHD
6	$16,976	$290.49	$18,713	$645.34	$1.7K → SPHD
7	$18,460	$295.55	$20,724	$701.81	$2.3K → SPHD
8	$20,052	$300.36	$22,938	$762.73	$2.9K → SPHD
9	$21,761	$304.93	$25,372	$828.41	$3.6K → SPHD
10	$23,593	$309.26	$28,047	$899.19	$4.5K → SPHD

FLIA vs SPHD: Complete Analysis 2026

FLIA — Stock

The fund seeks to maximize total investment return, consisting of a combination of interest income and capital appreciation, by investing primarily in investment grade fixed or floating-rate bonds issued by governments, government agencies and governmental-related or corporate issuers located outside the U.S. The investment manager seeks to hedge substantially all of the fund's foreign currency exposure using currency-related derivatives.

Full FLIA 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.