Is TCLCX or SPHD a better dividend investment in 2026?

TCLCX currently yields 9.02% with a 5% 5-year dividend growth rate. SPHD yields 4.00% with 5% growth. The better choice depends on your goal: TCLCX offers higher current income.

What is the dividend yield difference between TCLCX and SPHD?

TCLCX has a forward dividend yield of 9.02% ($2.03/share annually). SPHD yields 4.00% ($2.00/share annually). The yield gap is 5.02 percentage points.

Home › Compare › TCLCX vs SPHD

TCLCX vs SPHD: Dividend Comparison 2026

TCLCX yields 9.02% · SPHD yields 4.00%● Live data

vsPost on X →

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

🏆 TCLCX wins by $8.3K in total portfolio value

INVESTMENT

TIME HORIZON10 years

TCLCX

● Live price

9.02%

Share price

$22.53

Annual div

$2.03

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$36.3K

Annual income

$1,592.03

Full TCLCX 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 — TCLCX vs SPHD

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

Jan

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Feb

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Mar

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Apr

—

May

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Jun

—

Jul

—

Aug

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Sep

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Oct

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Nov

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Dec

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TCLCX 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.

TCLCX

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

$766.39/yr

After 10yr DRIP, annual income (after tax)

$1,353.23/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, TCLCX beats the other by $588.91/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 TCLCX + SPHD for your $10,000?

TCLCX: 50%SPHD: 50%

100% SPHD50/50100% TCLCX

Portfolio after 10yr

$32.2K

Annual income

$1,245.61/yr

Blended yield

3.87%

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

TCLCX buys

SPHD buys

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

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

MetricTCLCXSPHD

Forward yield	9.02% ✓	4.00%
Annual dividend / share	$2.03 ✓	$2.00
Payout ratio	50%	50%
1-year div growth	0%	5% ✓
5-year div CAGR	0%	5% ✓
Portfolio after 10y	$36.3K ✓	$28.0K
Annual income after 10y	$1,592.03 ✓	$899.19
Total dividends collected	$12.5K ✓	$6.4K
Payment frequency	quarterly	quarterly
Sector	Stock	ETF

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

Year	TCLCX Portfolio	TCLCX Income/yr	SPHD Portfolio	SPHD Income/yr	Gap
1← crossover	$11,602	$901.64	$11,120	$420.00	+$482.00 → TCLCX
2	$13,391	$977.61	$12,357	$458.31	+$1.0K → TCLCX
3	$15,383	$1,054.60	$13,721	$499.76	+$1.7K → TCLCX
4	$17,592	$1,132.22	$15,227	$544.58	+$2.4K → TCLCX
5	$20,034	$1,210.10	$16,885	$593.02	+$3.1K → TCLCX
6	$22,724	$1,287.90	$18,713	$645.34	+$4.0K → TCLCX
7	$25,680	$1,365.27	$20,724	$701.81	+$5.0K → TCLCX
8	$28,920	$1,441.93	$22,938	$762.73	+$6.0K → TCLCX
9	$32,462	$1,517.60	$25,372	$828.41	+$7.1K → TCLCX
10	$36,326	$1,592.03	$28,047	$899.19	+$8.3K → TCLCX

TCLCX vs SPHD: Complete Analysis 2026

TCLCX — Stock

Under normal circumstances, the fund invests at least 80% of its assets in large-cap equity securities. It invests primarily in equity securities of large domestic companies, as defined by the fund's benchmark index, the Russell 1000® Value Index, that the fund's investment adviser believes appear undervalued by the market based on an evaluation of their potential worth. The fund may invest up to 20% of its assets in foreign investments.

Full TCLCX 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.