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GNMA vs SPHD: Dividend Comparison 2026

GNMA yields 4.20% · SPHD yields 4.00%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 SPHD wins by $1.7K in total portfolio value· pulled ahead in Year 2
10 years
GNMA
GNMA
● Live price
4.20%
Share price
$44.45
Annual div
$1.87
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$26.3K
Annual income
$549.50
Full GNMA 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 — GNMA vs SPHD

📍 SPHD pulled ahead of the other in Year 2

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 PeriodGNMASPHD
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%.
📅

Dividend Calendar Overlap

Combined, GNMA + SPHD cover 0 of 12 months — good coverage

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

Tax Bracket Optimizer

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

GNMA
Annual income on $10K today (after 15% tax)
$356.81/yr
After 10yr DRIP, annual income (after tax)
$467.08/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 $297.24/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

GNMA: 50%SPHD: 50%
100% SPHD50/50100% GNMA
Portfolio after 10yr
$27.2K
Annual income
$724.35/yr
Blended yield
2.67%
🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

GNMA buys
0
SPHD buys
0
No recent congressional trades found for GNMA or SPHD in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricGNMASPHD
Forward yield4.20% ✓4.00%
Annual dividend / share$1.87$2.00 ✓
Payout ratio50%50%
1-year div growth0%5% ✓
5-year div CAGR0%5% ✓
Portfolio after 10y$26.3K$28.0K ✓
Annual income after 10y$549.50$899.19 ✓
Total dividends collected$4.9K$6.4K ✓
Payment frequencyquarterlyquarterly
SectorStockETF

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

YearGNMA PortfolioGNMA Income/yrSPHD PortfolioSPHD Income/yrGap
1$11,120$419.77$11,120$420.00$0.00 → SPHD
2← crossover$12,334$436.24$12,357$458.31$23.00 → SPHD
3$13,650$452.23$13,721$499.76$71.00 → SPHD
4$15,073$467.73$15,227$544.58$154.00 → SPHD
5$16,611$482.71$16,885$593.02$274.00 → SPHD
6$18,271$497.16$18,713$645.34$442.00 → SPHD
7$20,061$511.06$20,724$701.81$663.00 → SPHD
8$21,990$524.42$22,938$762.73$948.00 → SPHD
9$24,066$537.23$25,372$828.41$1.3K → SPHD
10$26,300$549.50$28,047$899.19$1.7K → SPHD

GNMA vs SPHD: Complete Analysis 2026

GNMA — Stock

The iShares GNMA Bond ETF seeks to track the investment results of an index composed of mortgage-backed pass-through securities guaranteed by the Government National Mortgage Association ('GNMA' or 'Ginnie Mae').

Full GNMA 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.