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ZAIS vs SPHD: Dividend Comparison 2026

ZAIS yields 48.90% · SPHD yields 4.00%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 ZAIS wins by $344.1K in total portfolio value
10 years
ZAIS
ZAIS
● Live price
48.90%
Share price
$4.09
Annual div
$2.00
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$372.2K
Annual income
$74,100.38
Full ZAIS 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 — ZAIS vs SPHD

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

Jan
—
Feb
—
Mar
—
Apr
—
May
—
Jun
—
Jul
—
Aug
—
Sep
—
Oct
—
Nov
—
Dec
—
ZAIS pays
SPHD pays
Both pay
Neither
💰

Tax Bracket Optimizer

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

ZAIS
Annual income on $10K today (after 15% tax)
$4,156.48/yr
After 10yr DRIP, annual income (after tax)
$62,985.32/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, ZAIS beats the other by $62,221.01/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

ZAIS: 50%SPHD: 50%
100% SPHD50/50100% ZAIS
Portfolio after 10yr
$200.1K
Annual income
$37,499.79/yr
Blended yield
18.74%
🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

ZAIS buys
0
SPHD buys
0
No recent congressional trades found for ZAIS or SPHD in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricZAISSPHD
Forward yield48.90% ✓4.00%
Annual dividend / share$2.00$2.00
Payout ratio50%50%
1-year div growth0%5% ✓
5-year div CAGR0%5% ✓
Portfolio after 10y$372.2K ✓$28.0K
Annual income after 10y$74,100.38 ✓$899.19
Total dividends collected$295.4K ✓$6.4K
Payment frequencyquarterlyquarterly
SectorStockETF

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

YearZAIS PortfolioZAIS Income/yrSPHD PortfolioSPHD Income/yrGap
1← crossover$15,590$4,889.98$11,120$420.00+$4.5K → ZAIS
2$23,806$7,124.73$12,357$458.31+$11.4K → ZAIS
3$35,640$10,167.77$13,721$499.76+$21.9K → ZAIS
4$52,361$14,226.41$15,227$544.58+$37.1K → ZAIS
5$75,560$19,533.63$16,885$593.02+$58.7K → ZAIS
6$107,194$26,344.00$18,713$645.34+$88.5K → ZAIS
7$149,625$34,927.92$20,724$701.81+$128.9K → ZAIS
8$205,663$45,564.28$22,938$762.73+$182.7K → ZAIS
9$278,591$58,531.92$25,372$828.41+$253.2K → ZAIS
10$372,193$74,100.38$28,047$899.19+$344.1K → ZAIS

ZAIS vs SPHD: Complete Analysis 2026

ZAIS — Stock

ZAIS is a dividend-paying stock. Use this calculator to estimate your future dividend income, DRIP compounding returns, and passive income potential from investing in ZAIS shares.

Full ZAIS 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.