Is PSMM or SPHD a better dividend investment in 2026?

PSMM currently yields 14.61% with a 5% 5-year dividend growth rate. SPHD yields 4.00% with 5% growth. The better choice depends on your goal: PSMM offers higher current income.

What is the dividend yield difference between PSMM and SPHD?

PSMM has a forward dividend yield of 14.61% ($2.00/share annually). SPHD yields 4.00% ($2.00/share annually). The yield gap is 10.61 percentage points.

Home › Compare › PSMM vs SPHD

PSMM vs SPHD: Dividend Comparison 2026

PSMM yields 14.61% · SPHD yields 4.00%● Live data

vsPost on X →

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

🏆 PSMM wins by $24.1K in total portfolio value

INVESTMENT

TIME HORIZON10 years

PSMM

● Live price

14.61%

Share price

$13.69

Annual div

$2.00

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$52.2K

Annual income

$3,606.50

Full PSMM 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 — PSMM vs SPHD

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

Jan

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Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

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PSMM 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.

PSMM

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

$1,241.87/yr

After 10yr DRIP, annual income (after tax)

$3,065.53/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, PSMM beats the other by $2,301.21/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 PSMM + SPHD for your $10,000?

PSMM: 50%SPHD: 50%

100% SPHD50/50100% PSMM

Portfolio after 10yr

$40.1K

Annual income

$2,252.85/yr

Blended yield

5.62%

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

PSMM buys

SPHD buys

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

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

MetricPSMMSPHD

Forward yield	14.61% ✓	4.00%
Annual dividend / share	$2.00	$2.00
Payout ratio	50%	50%
1-year div growth	0%	5% ✓
5-year div CAGR	0%	5% ✓
Portfolio after 10y	$52.2K ✓	$28.0K
Annual income after 10y	$3,606.50 ✓	$899.19
Total dividends collected	$24.8K ✓	$6.4K
Payment frequency	quarterly	quarterly
Sector	Stock	ETF

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

Year	PSMM Portfolio	PSMM Income/yr	SPHD Portfolio	SPHD Income/yr	Gap
1← crossover	$12,161	$1,461.03	$11,120	$420.00	+$1.0K → PSMM
2	$14,673	$1,660.52	$12,357	$458.31	+$2.3K → PSMM
3	$17,572	$1,872.42	$13,721	$499.76	+$3.9K → PSMM
4	$20,898	$2,095.74	$15,227	$544.58	+$5.7K → PSMM
5	$24,690	$2,329.33	$16,885	$593.02	+$7.8K → PSMM
6	$28,991	$2,571.97	$18,713	$645.34	+$10.3K → PSMM
7	$33,842	$2,822.37	$20,724	$701.81	+$13.1K → PSMM
8	$39,290	$3,079.16	$22,938	$762.73	+$16.4K → PSMM
9	$45,382	$3,340.99	$25,372	$828.41	+$20.0K → PSMM
10	$52,165	$3,606.50	$28,047	$899.19	+$24.1K → PSMM

PSMM vs SPHD: Complete Analysis 2026

PSMM — Stock

The fund seeks to achieve its investment objective by allocating its assets using a moderately conservative investment style that seeks to maximize the benefits of diversification, which focuses on investing portions of its assets in underlying ETFs that invest primarily in equity securities, as well as in underlying ETFs that invest primarily in fixed-income securities. Specifically, the fund's target allocation is to invest approximately 25%-55% of its total assets in equity ETFs and approximately 45%-75% of its total assets in fixed income ETFs.

Full PSMM 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.