HomeCompareHYSA vs SPHD

HYSA vs SPHD: Dividend Comparison 2026

HYSA yields 6.84% · SPHD yields 4.30%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 HYSA wins by $4.9K in total portfolio value
10 years
HYSA
HYSA
● Live price
6.84%
Share price
$14.80
Annual div
$1.01
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$31.4K
Annual income
$1,055.44
Full HYSA 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 — HYSA vs SPHD

📍 HYSA 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 PeriodHYSASPHD
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, HYSA + SPHD cover 0 of 12 monthsgood coverage

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

HYSA
Annual income on $10K today (after 15% tax)
$581.03/yr
After 10yr DRIP, annual income (after tax)
$897.12/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, HYSA beats the other by $414.86/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

HYSA: 50%SPHD: 50%
100% SPHD50/50100% HYSA
Portfolio after 10yr
$29.0K
Annual income
$811.40/yr
Blended yield
2.80%
🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

HYSA buys
0
SPHD buys
0
No recent congressional trades found for HYSA or SPHD in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricHYSASPHD
Forward yield6.84%4.30%
Annual dividend / share$1.01$2.14
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR0%0%
Portfolio after 10y$31.4K$26.5K
Annual income after 10y$1,055.44$567.37
Total dividends collected$8.7K$5.0K
Payment frequencyquarterlyquarterly
SectorStockETF

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

YearHYSA PortfolioHYSA Income/yrSPHD PortfolioSPHD Income/yrGap
1← crossover$11,384$683.57$11,130$430.50+$254.00HYSA
2$12,908$727.24$12,357$447.82+$551.00HYSA
3$14,582$770.66$13,687$464.65+$895.00HYSA
4$16,416$813.66$15,126$480.98+$1.3KHYSA
5$18,421$856.09$16,682$496.78+$1.7KHYSA
6$20,609$897.82$18,362$512.03+$2.2KHYSA
7$22,990$938.71$20,174$526.72+$2.8KHYSA
8$25,578$978.67$22,127$540.84+$3.5KHYSA
9$28,386$1,017.61$24,230$554.39+$4.2KHYSA
10$31,429$1,055.44$26,493$567.37+$4.9KHYSA

HYSA vs SPHD: Complete Analysis 2026

HYSAStock

The fund is “actively managed” and does not seek to replicate the performance of a specified index. The fund is newly organized and operates as a “fund of funds,” meaning that it primarily invests its assets in securities of other ETFs. The fund is non-diversified.

Full HYSA 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.