Is VGSTX or SPHD a better dividend investment in 2026?

VGSTX currently yields 9.33% with a 5% 5-year dividend growth rate. SPHD yields 4.00% with 5% growth. The better choice depends on your goal: VGSTX offers higher current income.

What is the dividend yield difference between VGSTX and SPHD?

VGSTX has a forward dividend yield of 9.33% ($2.66/share annually). SPHD yields 4.00% ($2.00/share annually). The yield gap is 5.33 percentage points.

Home › Compare › VGSTX vs SPHD

VGSTX vs SPHD: Dividend Comparison 2026

VGSTX yields 9.33% · SPHD yields 4.00%● Live data

vsPost on X →

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

🏆 VGSTX wins by $9.0K in total portfolio value

INVESTMENT

TIME HORIZON10 years

VGSTX

● Live price

9.33%

Share price

$28.52

Annual div

$2.66

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$37.1K

Annual income

$1,679.94

Full VGSTX 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 — VGSTX vs SPHD

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

Jan

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Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

VGSTX 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.

VGSTX

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

$793.27/yr

After 10yr DRIP, annual income (after tax)

$1,427.95/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, VGSTX beats the other by $663.64/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 VGSTX + SPHD for your $10,000?

VGSTX: 50%SPHD: 50%

100% SPHD50/50100% VGSTX

Portfolio after 10yr

$32.6K

Annual income

$1,289.57/yr

Blended yield

3.96%

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

VGSTX buys

SPHD buys

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

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

MetricVGSTXSPHD

Forward yield	9.33% ✓	4.00%
Annual dividend / share	$2.66 ✓	$2.00
Payout ratio	50%	50%
1-year div growth	0%	5% ✓
5-year div CAGR	0%	5% ✓
Portfolio after 10y	$37.1K ✓	$28.0K
Annual income after 10y	$1,679.94 ✓	$899.19
Total dividends collected	$13.1K ✓	$6.4K
Payment frequency	quarterly	quarterly
Sector	Stock	ETF

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

Year	VGSTX Portfolio	VGSTX Income/yr	SPHD Portfolio	SPHD Income/yr	Gap
1← crossover	$11,633	$933.26	$11,120	$420.00	+$513.00 → VGSTX
2	$13,462	$1,014.66	$12,357	$458.31	+$1.1K → VGSTX
3	$15,502	$1,097.37	$13,721	$499.76	+$1.8K → VGSTX
4	$17,768	$1,180.96	$15,227	$544.58	+$2.5K → VGSTX
5	$20,277	$1,265.05	$16,885	$593.02	+$3.4K → VGSTX
6	$23,045	$1,349.22	$18,713	$645.34	+$4.3K → VGSTX
7	$26,092	$1,433.13	$20,724	$701.81	+$5.4K → VGSTX
8	$29,435	$1,516.42	$22,938	$762.73	+$6.5K → VGSTX
9	$33,094	$1,598.78	$25,372	$828.41	+$7.7K → VGSTX
10	$37,090	$1,679.94	$28,047	$899.19	+$9.0K → VGSTX

VGSTX vs SPHD: Complete Analysis 2026

VGSTX — Stock

This balanced fund is approximately invested 60% in stocks and 40% in bonds. It offers investors exposure to domestic and international stocks and bonds through investment in underlying actively managed Vanguard funds, each with its own distinct investment approach. It may be considered a “one fund option” for investors looking for broad diversification across asset classes who can tolerate moderate market risk that comes from the volatility of the stock and bond markets.

Full VGSTX 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.