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SPYI vs SPHD: Dividend Comparison 2026

SPYI yields 12.50% · SPHD yields 4.00%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 SPYI wins by $17.5K in total portfolio value
10 years
SPYI
SPYI
● Live price
12.50%
Share price
$49.37
Annual div
$6.17
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$45.6K
Annual income
$2,723.59
Full SPYI calculator →
SPHD
SPHD
● Live price
4.00%
Share price
$50.00
Annual div
$2.00
5Y div CAGR
5%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$28.0K
Annual income
$899.19
Full SPHD calculator →

Portfolio growth — SPYI vs SPHD

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

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

SPYI
Annual income on $10K today (after 15% tax)
$1,062.57/yr
After 10yr DRIP, annual income (after tax)
$2,315.05/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, SPYI beats the other by $1,550.74/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

SPYI: 50%SPHD: 50%
100% SPHD50/50100% SPYI
Portfolio after 10yr
$36.8K
Annual income
$1,811.40/yr
Blended yield
4.92%
🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

SPYI buys
0
SPHD buys
0
No recent congressional trades found for SPYI or SPHD in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricSPYISPHD
Forward yield12.50% ✓4.00%
Annual dividend / share$6.17 ✓$2.00
Payout ratio50%50%
1-year div growth0%5% ✓
5-year div CAGR0%5% ✓
Portfolio after 10y$45.6K ✓$28.0K
Annual income after 10y$2,723.59 ✓$899.19
Total dividends collected$19.7K ✓$6.4K
Payment frequencyquarterlyquarterly
SectorStockETF

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

YearSPYI PortfolioSPYI Income/yrSPHD PortfolioSPHD Income/yrGap
1← crossover$11,950$1,250.08$11,120$420.00+$830.00 → SPYI
2$14,183$1,396.12$12,357$458.31+$1.8K → SPYI
3$16,724$1,548.56$13,721$499.76+$3.0K → SPYI
4$19,601$1,706.58$15,227$544.58+$4.4K → SPYI
5$22,843$1,869.33$16,885$593.02+$6.0K → SPYI
6$26,478$2,035.95$18,713$645.34+$7.8K → SPYI
7$30,537$2,205.54$20,724$701.81+$9.8K → SPYI
8$35,051$2,377.23$22,938$762.73+$12.1K → SPYI
9$40,055$2,550.19$25,372$828.41+$14.7K → SPYI
10$45,583$2,723.59$28,047$899.19+$17.5K → SPYI

SPYI vs SPHD: Complete Analysis 2026

SPYI — Stock

The NEOS S&P 500 High Income ETF seeks high monthly income in a tax efficient manner, with the potential for upside appreciation in rising markets.

Full SPYI 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.