Is INUTX or SPHD a better dividend investment in 2026?

INUTX currently yields 7.71% with a 5% 5-year dividend growth rate. SPHD yields 4.00% with 5% growth. The better choice depends on your goal: INUTX offers higher current income.

What is the dividend yield difference between INUTX and SPHD?

INUTX has a forward dividend yield of 7.71% ($3.23/share annually). SPHD yields 4.00% ($2.00/share annually). The yield gap is 3.71 percentage points.

Home › Compare › INUTX vs SPHD

INUTX vs SPHD: Dividend Comparison 2026

INUTX yields 7.71% · SPHD yields 4.00%● Live data

vsPost on X →

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

🏆 INUTX wins by $5.3K in total portfolio value

INVESTMENT

TIME HORIZON10 years

INUTX

● Live price

7.71%

Share price

$41.87

Annual div

$3.23

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$33.3K

Annual income

$1,256.07

Full INUTX 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 — INUTX vs SPHD

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

Jan

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Feb

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Mar

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Apr

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May

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Jun

—

Jul

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Aug

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Sep

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Oct

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Nov

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Dec

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INUTX 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.

INUTX

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

$655.18/yr

After 10yr DRIP, annual income (after tax)

$1,067.66/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, INUTX beats the other by $303.35/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 INUTX + SPHD for your $10,000?

INUTX: 50%SPHD: 50%

100% SPHD50/50100% INUTX

Portfolio after 10yr

$30.7K

Annual income

$1,077.63/yr

Blended yield

3.51%

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

INUTX buys

SPHD buys

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

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

MetricINUTXSPHD

Forward yield	7.71% ✓	4.00%
Annual dividend / share	$3.23 ✓	$2.00
Payout ratio	50%	50%
1-year div growth	0%	5% ✓
5-year div CAGR	0%	5% ✓
Portfolio after 10y	$33.3K ✓	$28.0K
Annual income after 10y	$1,256.07 ✓	$899.19
Total dividends collected	$10.2K ✓	$6.4K
Payment frequency	quarterly	quarterly
Sector	Stock	ETF

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

Year	INUTX Portfolio	INUTX Income/yr	SPHD Portfolio	SPHD Income/yr	Gap
1← crossover	$11,471	$770.80	$11,120	$420.00	+$351.00 → INUTX
2	$13,100	$826.33	$12,357	$458.31	+$743.00 → INUTX
3	$14,899	$881.96	$13,721	$499.76	+$1.2K → INUTX
4	$16,879	$937.46	$15,227	$544.58	+$1.7K → INUTX
5	$19,054	$992.59	$16,885	$593.02	+$2.2K → INUTX
6	$21,434	$1,047.14	$18,713	$645.34	+$2.7K → INUTX
7	$24,036	$1,100.92	$20,724	$701.81	+$3.3K → INUTX
8	$26,872	$1,153.76	$22,938	$762.73	+$3.9K → INUTX
9	$29,959	$1,205.52	$25,372	$828.41	+$4.6K → INUTX
10	$33,312	$1,256.07	$28,047	$899.19	+$5.3K → INUTX

INUTX vs SPHD: Complete Analysis 2026

INUTX — Stock

The fund's assets primarily are invested in equity securities. Under normal market conditions, it will invest at least 80% of its net assets (including the amount of any borrowings for investment purposes) in dividend-paying common and preferred stocks. The fund may invest in companies that have market capitalizations of any size. It may invest up to 25% of its net assets in foreign investments.

Full INUTX 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.