Is SIFI or SPHD a better dividend investment in 2026?

SIFI currently yields 6.67% with a 5% 5-year dividend growth rate. SPHD yields 4.00% with 5% growth. The better choice depends on your goal: SIFI offers higher current income.

What is the dividend yield difference between SIFI and SPHD?

SIFI has a forward dividend yield of 6.67% ($2.87/share annually). SPHD yields 4.00% ($2.00/share annually). The yield gap is 2.67 percentage points.

Home › Compare › SIFI vs SPHD

SIFI vs SPHD: Dividend Comparison 2026

SIFI yields 6.67% · SPHD yields 4.00%● Live data

vsPost on X →

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

🏆 SIFI wins by $3.0K in total portfolio value

INVESTMENT

TIME HORIZON10 years

SIFI

● Live price

6.67%

Share price

$43.00

Annual div

$2.87

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$31.1K

Annual income

$1,018.97

Full SIFI 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 — SIFI vs SPHD

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

Jan

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Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

SIFI 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.

SIFI

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

$566.81/yr

After 10yr DRIP, annual income (after tax)

$866.12/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, SIFI beats the other by $101.81/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 SIFI + SPHD for your $10,000?

SIFI: 50%SPHD: 50%

100% SPHD50/50100% SIFI

Portfolio after 10yr

$29.6K

Annual income

$959.08/yr

Blended yield

3.24%

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

SIFI buys

SPHD buys

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

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

MetricSIFISPHD

Forward yield	6.67% ✓	4.00%
Annual dividend / share	$2.87 ✓	$2.00
Payout ratio	50%	50%
1-year div growth	0%	5% ✓
5-year div CAGR	0%	5% ✓
Portfolio after 10y	$31.1K ✓	$28.0K
Annual income after 10y	$1,018.97 ✓	$899.19
Total dividends collected	$8.5K ✓	$6.4K
Payment frequency	quarterly	quarterly
Sector	Stock	ETF

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

Year	SIFI Portfolio	SIFI Income/yr	SPHD Portfolio	SPHD Income/yr	Gap
1← crossover	$11,367	$666.83	$11,120	$420.00	+$247.00 → SIFI
2	$12,871	$708.39	$12,357	$458.31	+$514.00 → SIFI
3	$14,522	$749.65	$13,721	$499.76	+$801.00 → SIFI
4	$16,328	$790.46	$15,227	$544.58	+$1.1K → SIFI
5	$18,302	$830.67	$16,885	$593.02	+$1.4K → SIFI
6	$20,453	$870.16	$18,713	$645.34	+$1.7K → SIFI
7	$22,794	$908.83	$20,724	$701.81	+$2.1K → SIFI
8	$25,336	$946.57	$22,938	$762.73	+$2.4K → SIFI
9	$28,093	$983.30	$25,372	$828.41	+$2.7K → SIFI
10	$31,078	$1,018.97	$28,047	$899.19	+$3.0K → SIFI

SIFI vs SPHD: Complete Analysis 2026

SIFI — Stock

The fund invests primarily in fixed income instruments, including fixed income derivative instruments such as credit default swaps and U.S. Treasury futures. The fund may invest in exchange-traded funds to manage aggregate portfolio exposures. The fund may also invest in the securities of foreign issuers, including emerging market bonds. The fund may invest a majority of its assets in below investment-grade corporate bonds, commonly referred to as “high yield” or “junk” bonds, or unrated securities that BlueCove Limited (the “subadviser”) considers to be of an equivalent credit quality.

Full SIFI 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.