Is IFAFX or SPHD a better dividend investment in 2026?

IFAFX currently yields 9.83% with a 5% 5-year dividend growth rate. SPHD yields 4.00% with 5% growth. The better choice depends on your goal: IFAFX offers higher current income.

What is the dividend yield difference between IFAFX and SPHD?

IFAFX has a forward dividend yield of 9.83% ($2.58/share annually). SPHD yields 4.00% ($2.00/share annually). The yield gap is 5.83 percentage points.

Home › Compare › IFAFX vs SPHD

IFAFX vs SPHD: Dividend Comparison 2026

IFAFX yields 9.83% · SPHD yields 4.00%● Live data

vsPost on X →

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

🏆 IFAFX wins by $10.3K in total portfolio value

INVESTMENT

TIME HORIZON10 years

IFAFX

● Live price

9.83%

Share price

$26.22

Annual div

$2.58

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$38.3K

Annual income

$1,823.69

Full IFAFX 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 — IFAFX vs SPHD

📍 IFAFX 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 Period	IFAFX	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, IFAFX + SPHD cover 0 of 12 months — good coverage

Jan

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Feb

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Mar

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Apr

—

May

—

Jun

—

Jul

—

Aug

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Sep

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Oct

—

Nov

—

Dec

—

IFAFX 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.

IFAFX

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

$835.51/yr

After 10yr DRIP, annual income (after tax)

$1,550.14/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, IFAFX beats the other by $785.83/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 IFAFX + SPHD for your $10,000?

IFAFX: 50%SPHD: 50%

100% SPHD50/50100% IFAFX

Portfolio after 10yr

$33.2K

Annual income

$1,361.44/yr

Blended yield

4.10%

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

IFAFX buys

SPHD buys

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

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

MetricIFAFXSPHD

Forward yield	9.83% ✓	4.00%
Annual dividend / share	$2.58 ✓	$2.00
Payout ratio	50%	50%
1-year div growth	0%	5% ✓
5-year div CAGR	0%	5% ✓
Portfolio after 10y	$38.3K ✓	$28.0K
Annual income after 10y	$1,823.69 ✓	$899.19
Total dividends collected	$14.0K ✓	$6.4K
Payment frequency	quarterly	quarterly
Sector	Stock	ETF

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

Year	IFAFX Portfolio	IFAFX Income/yr	SPHD Portfolio	SPHD Income/yr	Gap
1← crossover	$11,683	$982.95	$11,120	$420.00	+$563.00 → IFAFX
2	$13,574	$1,073.25	$12,357	$458.31	+$1.2K → IFAFX
3	$15,690	$1,165.39	$13,721	$499.76	+$2.0K → IFAFX
4	$18,047	$1,258.90	$15,227	$544.58	+$2.8K → IFAFX
5	$20,663	$1,353.31	$16,885	$593.02	+$3.8K → IFAFX
6	$23,558	$1,448.15	$18,713	$645.34	+$4.8K → IFAFX
7	$26,750	$1,543.00	$20,724	$701.81	+$6.0K → IFAFX
8	$30,260	$1,637.45	$22,938	$762.73	+$7.3K → IFAFX
9	$34,109	$1,731.13	$25,372	$828.41	+$8.7K → IFAFX
10	$38,321	$1,823.69	$28,047	$899.19	+$10.3K → IFAFX

IFAFX vs SPHD: Complete Analysis 2026

IFAFX — Stock

The investment seeks to provide investors with current income while secondarily striving for capital growth. Normally the fund invests primarily in income-producing securities. These include equity securities, such as dividend-paying common stocks, and debt securities, such as interest-paying bonds. Generally at least 60% of the fund's assets will be invested in common stocks and other equity-type securities. The fund may also invest up to 30% of its assets in equity securities of issuers domiciled outside the United States, including issuers in developing countries.

Full IFAFX 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.