Is PFINX or SPHD a better dividend investment in 2026?

PFINX currently yields 5.21% with a 5% 5-year dividend growth rate. SPHD yields 4.00% with 5% growth. The better choice depends on your goal: PFINX offers higher current income.

What is the dividend yield difference between PFINX and SPHD?

PFINX has a forward dividend yield of 5.21% ($0.50/share annually). SPHD yields 4.00% ($2.00/share annually). The yield gap is 1.21 percentage points.

Home › Compare › PFINX vs SPHD

PFINX vs SPHD: Dividend Comparison 2026

PFINX yields 5.21% · SPHD yields 4.00%● Live data

vsPost on X →

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

🏆 PFINX wins by $120.00 in total portfolio value

INVESTMENT

TIME HORIZON10 years

PFINX

● Live price

5.21%

Share price

$9.52

Annual div

$0.50

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$28.2K

Annual income

$726.43

Full PFINX 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 — PFINX vs SPHD

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

Jan

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Feb

—

Mar

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Apr

—

May

—

Jun

—

Jul

—

Aug

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Sep

—

Oct

—

Nov

—

Dec

—

PFINX 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.

PFINX

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

$442.64/yr

After 10yr DRIP, annual income (after tax)

$617.47/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 $146.85/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 PFINX + SPHD for your $10,000?

PFINX: 50%SPHD: 50%

100% SPHD50/50100% PFINX

Portfolio after 10yr

$28.1K

Annual income

$812.82/yr

Blended yield

2.89%

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

PFINX buys

SPHD buys

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

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

MetricPFINXSPHD

Forward yield	5.21% ✓	4.00%
Annual dividend / share	$0.50	$2.00 ✓
Payout ratio	50%	50%
1-year div growth	0%	5% ✓
5-year div CAGR	0%	5% ✓
Portfolio after 10y	$28.2K ✓	$28.0K
Annual income after 10y	$726.43	$899.19 ✓
Total dividends collected	$6.3K	$6.4K ✓
Payment frequency	quarterly	quarterly
Sector	Stock	ETF

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

Year	PFINX Portfolio	PFINX Income/yr	SPHD Portfolio	SPHD Income/yr	Gap
1← crossover	$11,221	$520.76	$11,120	$420.00	+$101.00 → PFINX
2	$12,552	$546.10	$12,357	$458.31	+$195.00 → PFINX
3	$14,002	$570.94	$13,721	$499.76	+$281.00 → PFINX
4	$15,577	$595.21	$15,227	$544.58	+$350.00 → PFINX
5	$17,287	$618.86	$16,885	$593.02	+$402.00 → PFINX
6	$19,138	$641.83	$18,713	$645.34	+$425.00 → PFINX
7	$21,142	$664.11	$20,724	$701.81	+$418.00 → PFINX
8	$23,308	$685.64	$22,938	$762.73	+$370.00 → PFINX
9	$25,646	$706.42	$25,372	$828.41	+$274.00 → PFINX
10	$28,167	$726.43	$28,047	$899.19	+$120.00 → PFINX

PFINX vs SPHD: Complete Analysis 2026

PFINX — Stock

The investment seeks maximum total return, consistent with prudent investment management. The fund invests at least 80% of its assets in a diversified portfolio of preferred securities and Capital Securities. "Capital Securities" include securities issued by U.S. and non-U.S. financial institutions that can be used to satisfy their regulatory capital requirements. It will invest under normal circumstances at least 25% of its net assets in preferred securities. The fund may invest up to 20% of its total assets in common stock. It may also invest in contingent convertible securities.

Full PFINX 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.