Is SOF or SPHD a better dividend investment in 2026?

SOF currently yields 3.75% with a 5% 5-year dividend growth rate. SPHD yields 4.00% with 5% growth. The better choice depends on your goal: SPHD offers higher current income.

What is the dividend yield difference between SOF and SPHD?

SOF has a forward dividend yield of 3.75% ($3.77/share annually). SPHD yields 4.00% ($2.00/share annually). The yield gap is 0.25 percentage points.

Home › Compare › SOF vs SPHD

SOF vs SPHD: Dividend Comparison 2026

SOF yields 3.75% · SPHD yields 4.00%● Live data

vsPost on X →

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

🏆 SPHD wins by $2.5K in total portfolio value

INVESTMENT

TIME HORIZON10 years

SOF

● Live price

3.75%

Share price

$100.61

Annual div

$3.77

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$25.5K

Annual income

$476.67

Full SOF 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 — SOF vs SPHD

📍 SPHD pulled ahead of the other in Year 1

Annual dividend income

🛡️

Recession Test — Did They Cut Dividends?

How each stock treated shareholders during the 3 biggest crises of the last 20 years

Crisis Period	SOF	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%.

📅

Dividend Calendar Overlap

Combined, SOF + SPHD cover 0 of 12 months — good coverage

Jan

—

Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

SOF pays

SPHD pays

Both pay

Neither

💰

Tax Bracket Optimizer

Which stock is actually better after tax? Adjust your rate to find out.

SOF

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

$318.47/yr

After 10yr DRIP, annual income (after tax)

$405.17/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 $359.14/year in after-tax income after 10 years on $10,000

⚖️

Lazy Portfolio Split Optimizer

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

SOF: 50%SPHD: 50%

100% SPHD50/50100% SOF

Portfolio after 10yr

$26.8K

Annual income

$687.93/yr

Blended yield

2.57%

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

SOF buys

SPHD buys

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

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

MetricSOFSPHD

Forward yield	3.75%	4.00% ✓
Annual dividend / share	$3.77 ✓	$2.00
Payout ratio	50%	50%
1-year div growth	0%	5% ✓
5-year div CAGR	0%	5% ✓
Portfolio after 10y	$25.5K	$28.0K ✓
Annual income after 10y	$476.67	$899.19 ✓
Total dividends collected	$4.3K	$6.4K ✓
Payment frequency	quarterly	quarterly
Sector	Stock	ETF

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

Year	SOF Portfolio	SOF Income/yr	SPHD Portfolio	SPHD Income/yr	Gap
1← crossover	$11,075	$374.67	$11,120	$420.00	$45.00 → SPHD
2	$12,238	$387.79	$12,357	$458.31	$119.00 → SPHD
3	$13,495	$400.48	$13,721	$499.76	$226.00 → SPHD
4	$14,852	$412.73	$15,227	$544.58	$375.00 → SPHD
5	$16,316	$424.53	$16,885	$593.02	$569.00 → SPHD
6	$17,894	$435.87	$18,713	$645.34	$819.00 → SPHD
7	$19,594	$446.75	$20,724	$701.81	$1.1K → SPHD
8	$21,422	$457.18	$22,938	$762.73	$1.5K → SPHD
9	$23,389	$467.15	$25,372	$828.41	$2.0K → SPHD
10	$25,503	$476.67	$28,047	$899.19	$2.5K → SPHD

SOF vs SPHD: Complete Analysis 2026

SOF — Stock

The fund is an actively managed ETF that seeks to closely replicate the performance of the SOFR, as published by the Federal Reserve Bank of New York. Under normal market circumstances, the fund will invest at least 80% of its net assets in investment instruments selected by Samsung Asset Management, Inc., the fund’s sub-adviser with the goal of achieving the returns that closely replicate the performance of SOFR after fund fees and expenses and prior to any distributions payable by the fund. The fund is non-diversified.

Full SOF 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 →

📬

Get this SOF vs SPHD comparison by email

Save your analysis + weekly dividend insights. Free forever.

More comparisons

SOF vs SCHD SOF vs JEPI SOF vs O SOF vs KO SOF vs MAIN

⚠️ Educational purposes only. Not financial advice. Congressional trades sourced from SEC STOCK Act filings via FMP. Past performance does not guarantee future results.