Is TGCNX or SPHD a better dividend investment in 2026?

TGCNX currently yields 20.19% with a 5% 5-year dividend growth rate. SPHD yields 4.00% with 5% growth. The better choice depends on your goal: TGCNX offers higher current income.

What is the dividend yield difference between TGCNX and SPHD?

TGCNX has a forward dividend yield of 20.19% ($3.77/share annually). SPHD yields 4.00% ($2.00/share annually). The yield gap is 16.19 percentage points.

Home › Compare › TGCNX vs SPHD

TGCNX vs SPHD: Dividend Comparison 2026

TGCNX yields 20.19% · SPHD yields 4.00%● Live data

vsPost on X →

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

🏆 TGCNX wins by $45.8K in total portfolio value

INVESTMENT

TIME HORIZON10 years

TGCNX

● Live price

20.19%

Share price

$18.68

Annual div

$3.77

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$73.9K

Annual income

$6,875.90

Full TGCNX 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 — TGCNX vs SPHD

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

Jan

—

Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

TGCNX pays

SPHD pays

Both pay

Neither

💰

Tax Bracket Optimizer

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

TGCNX

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

$1,716.06/yr

After 10yr DRIP, annual income (after tax)

$5,844.51/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, TGCNX beats the other by $5,080.20/year in after-tax income after 10 years on $10,000

⚖️

Lazy Portfolio Split Optimizer

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

TGCNX: 50%SPHD: 50%

100% SPHD50/50100% TGCNX

Portfolio after 10yr

$51.0K

Annual income

$3,887.55/yr

Blended yield

7.63%

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

TGCNX buys

SPHD buys

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

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

MetricTGCNXSPHD

Forward yield	20.19% ✓	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	$73.9K ✓	$28.0K
Annual income after 10y	$6,875.90 ✓	$899.19
Total dividends collected	$42.2K ✓	$6.4K
Payment frequency	quarterly	quarterly
Sector	Stock	ETF

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

Year	TGCNX Portfolio	TGCNX Income/yr	SPHD Portfolio	SPHD Income/yr	Gap
1← crossover	$12,719	$2,018.90	$11,120	$420.00	+$1.6K → TGCNX
2	$16,009	$2,399.83	$12,357	$458.31	+$3.7K → TGCNX
3	$19,953	$2,823.01	$13,721	$499.76	+$6.2K → TGCNX
4	$24,638	$3,288.25	$15,227	$544.58	+$9.4K → TGCNX
5	$30,157	$3,794.70	$16,885	$593.02	+$13.3K → TGCNX
6	$36,609	$4,340.93	$18,713	$645.34	+$17.9K → TGCNX
7	$44,096	$4,924.91	$20,724	$701.81	+$23.4K → TGCNX
8	$52,727	$5,544.10	$22,938	$762.73	+$29.8K → TGCNX
9	$62,614	$6,195.54	$25,372	$828.41	+$37.2K → TGCNX
10	$73,873	$6,875.90	$28,047	$899.19	+$45.8K → TGCNX

TGCNX vs SPHD: Complete Analysis 2026

TGCNX — Stock

The investment seeks long-term capital appreciation. Under normal circumstances, the fund invests at least 80% of the value of its net assets, plus any borrowings for investment purposes, in equity securities. It invests primarily in equity securities of mid- and large-capitalization companies. The portfolio manager uses a highly focused approach, which seeks to achieve superior long-term returns over a full market cycle by owning shares of companies that the portfolio manager believes to have strong and enduring business models and inherent advantages over their competitors.

Full TGCNX 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 TGCNX vs SPHD comparison by email

Save your analysis + weekly dividend insights. Free forever.

More comparisons

TGCNX vs SCHD TGCNX vs JEPI TGCNX vs O TGCNX vs KO TGCNX 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.