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PSFJ vs SPHD: Dividend Comparison 2026

PSFJ yields 6.19% · SPHD yields 4.33%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 PSFJ wins by $3.6K in total portfolio value
10 years
PSFJ
PSFJ
● Live price
6.19%
Share price
$32.32
Annual div
$2.00
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$30.1K
Annual income
$917.77
Full PSFJ calculator →
SPHD
SPHD
● Live price
4.33%
Share price
$49.34
Annual div
$2.14
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$26.5K
Annual income
$571.32
Full SPHD calculator →

Portfolio growth — PSFJ vs SPHD

📍 PSFJ 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 PeriodPSFJSPHD
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, PSFJ + SPHD cover 0 of 12 monthsgood coverage

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

PSFJ
Annual income on $10K today (after 15% tax)
$525.99/yr
After 10yr DRIP, annual income (after tax)
$780.10/yr
SPHD
Annual income on $10K today (after 15% tax)
$367.92/yr
After 10yr DRIP, annual income (after tax)
$485.62/yr
At 15% tax rate, PSFJ beats the other by $294.48/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

PSFJ: 50%SPHD: 50%
100% SPHD50/50100% PSFJ
Portfolio after 10yr
$28.3K
Annual income
$744.55/yr
Blended yield
2.63%
🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

PSFJ buys
0
SPHD buys
0
No recent congressional trades found for PSFJ or SPHD in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricPSFJSPHD
Forward yield6.19%4.33%
Annual dividend / share$2.00$2.14
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR0%0%
Portfolio after 10y$30.1K$26.5K
Annual income after 10y$917.77$571.32
Total dividends collected$7.7K$5.1K
Payment frequencyquarterlyquarterly
SectorStockETF

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

YearPSFJ PortfolioPSFJ Income/yrSPHD PortfolioSPHD Income/yrGap
1← crossover$11,319$618.81$11,133$432.85+$186.00PSFJ
2$12,766$654.60$12,363$450.36+$403.00PSFJ
3$14,349$689.98$13,695$467.39+$654.00PSFJ
4$16,079$724.83$15,138$483.90+$941.00PSFJ
5$17,963$759.05$16,697$499.88+$1.3KPSFJ
6$20,013$792.54$18,382$515.31+$1.6KPSFJ
7$22,239$825.22$20,198$530.17+$2.0KPSFJ
8$24,653$857.02$22,157$544.46+$2.5KPSFJ
9$27,267$887.89$24,266$558.18+$3.0KPSFJ
10$30,093$917.77$26,536$571.32+$3.6KPSFJ

PSFJ vs SPHD: Complete Analysis 2026

PSFJStock

An exchange traded fund (ETF) that seeks to match returns, before fees and expenses, of the SPDR S&P 500 ETF Trust (the “underlying ETF”) up to a predetermined upside cap (the “Cap”), while also providing a downside risk mitigation buffer (the “Buffer”) over an approximate one-year period.

Full PSFJ 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.