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THIR vs CL: Dividend Comparison 2026

THIR yields 0.37% · CL yields 2.43%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 CL wins by $20.6K in total portfolio value
10 years
THIR
THIR
● Live price
0.37%
Share price
$30.60
Annual div
$0.11
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$20.2K
Annual income
$37.96
Full THIR calculator →
CL
CL
● Live price
2.43%
Share price
$85.73
Annual div
$2.08
5Y div CAGR
28.6%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$40.8K
Annual income
$5,401.96
Full CL calculator →

Portfolio growth — THIR vs CL

📍 CL 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 PeriodTHIRCL
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, THIR + CL cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
THIR pays
CL pays
Both pay
Neither
💰

Tax Bracket Optimizer

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

THIR
Annual income on $10K today (after 15% tax)
$31.50/yr
After 10yr DRIP, annual income (after tax)
$32.27/yr
CL
Annual income on $10K today (after 15% tax)
$206.23/yr
After 10yr DRIP, annual income (after tax)
$4,591.67/yr
At 15% tax rate, CL beats the other by $4,559.40/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of THIR + CL for your $10,000?

THIR: 50%CL: 50%
100% CL50/50100% THIR
Portfolio after 10yr
$30.5K
Annual income
$2,719.96/yr
Blended yield
8.92%
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Analyst Conviction Gap

Where Wall Street is most bullish on CL right now

THIR
No analyst data
CL
Analyst Ratings
17
Buy
24
Hold
2
Sell
Consensus: Hold
Price Target
$92.45
+7.8% upside vs current
Range: $85.00 — $100.00
Altman Z
4.5
Piotroski
6/9
Analyst ratings via FMP. Altman Z-Score: >3.0 safe, 1.81–3.0 grey zone, <1.81 distress. Piotroski: 7–9 strong, 0–3 weak.
🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

THIR buys
0
CL buys
0
No recent congressional trades found for THIR or CL in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricTHIRCL
Forward yield0.37%2.43%
Annual dividend / share$0.11$2.08
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR0%28.6%
Portfolio after 10y$20.2K$40.8K
Annual income after 10y$37.96$5,401.96
Total dividends collected$375.00$18.0K
Payment frequencyquarterlyquarterly
SectorStockConsumer Staples

Year-by-year: THIR vs CL ($10,000, DRIP)

YearTHIR PortfolioTHIR Income/yrCL PortfolioCL Income/yrGap
1← crossover$10,737$37.06$11,012$312.01$275.00CL
2$11,526$37.19$12,196$412.95$670.00CL
3$12,370$37.31$13,599$549.66$1.2KCL
4$13,273$37.42$15,288$736.64$2.0KCL
5$14,240$37.53$17,353$995.28$3.1KCL
6$15,274$37.63$19,926$1,357.80$4.7KCL
7$16,381$37.72$23,194$1,873.82$6.8KCL
8$17,566$37.81$27,439$2,621.52$9.9KCL
9$18,833$37.89$33,088$3,727.38$14.3KCL
10$20,190$37.96$40,806$5,401.96$20.6KCL

THIR vs CL: Complete Analysis 2026

THIRStock

THIR is passively managed to provide US large-cap equity exposure through a volatility-conscious, fund-of-funds approach. The portfolio is constructed based on a proprietary algorithm that analyzes price trends and historical volatility across three major US indices: the S&P 500, the Dow Jones Industrial Average, and the NASDAQ 100, over a medium-term horizon of three to six months. It classifies each index into either a risk-on (buy) or risk-off (sell) state. Only securities deemed risk-on are included. When all three indices are risk-on, the fund allocates 33.3% to each. In cases where only one index is risk-off, the remaining risk-on indices are equally weighted. Should only one index be risk-on, assets are allocated equally between that index and cash or cash equivalents. During sustained market declines, the fund may fully shift into US money market funds, cash alternatives, or other ETFs. Index rebalancing is done weekly, which may lead to higher portfolio turnover.

Full THIR Calculator →

CLConsumer Staples

Colgate-Palmolive Company, together with its subsidiaries, manufactures and sells consumer products worldwide. The company operates through two segments, Oral, Personal and Home Care; and Pet Nutrition. The Oral, Personal and Home Care segment offers toothpaste, toothbrushes, mouthwash, bar and liquid hand soaps, shower gels, shampoos, conditioners, deodorants and antiperspirants, skin health products, dishwashing detergents, fabric conditioners, household cleaners, and other related items. This segment markets and sells its products under various brands, which include Colgate, Darlie, elmex, hello, meridol, Sorriso, Tom's of Maine, Irish Spring, Palmolive, Protex, Sanex, Softsoap, Lady Speed Stick, Speed Stick, EltaMD, Filorga, PCA SKIN, Ajax, Axion, Fabuloso, Murphy, Suavitel, Soupline, and Cuddly to a range of traditional and eCommerce retailers, wholesalers, and distributors. It also includes pharmaceutical products for dentists and other oral health professionals. The Pet Nutrition segment offers pet nutrition products for everyday nutritional needs under the Hill's Science Diet brand; and a range of therapeutic products to manage disease conditions in dogs and cats under the Hill's Prescription Diet brand. This segment markets and sells its products through pet supply retailers, veterinarians, and eCommerce retailers. Colgate-Palmolive Company was founded in 1806 and is headquartered in New York, New York.

Full CL 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.