Is ZGEN or SPHD a better dividend investment in 2026?

ZGEN currently yields 16.65% with a 5% 5-year dividend growth rate. SPHD yields 4.00% with 5% growth. The better choice depends on your goal: ZGEN offers higher current income.

What is the dividend yield difference between ZGEN and SPHD?

ZGEN has a forward dividend yield of 16.65% ($2.00/share annually). SPHD yields 4.00% ($2.00/share annually). The yield gap is 12.65 percentage points.

Home › Compare › ZGEN vs SPHD

ZGEN vs SPHD: Dividend Comparison 2026

ZGEN yields 16.65% · SPHD yields 4.00%● Live data

vsPost on X →

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

🏆 ZGEN wins by $31.3K in total portfolio value

INVESTMENT

TIME HORIZON10 years

ZGEN

● Live price

16.65%

Share price

$12.01

Annual div

$2.00

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$59.3K

Annual income

$4,631.17

Full ZGEN 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 — ZGEN vs SPHD

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

Jan

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Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

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Oct

—

Nov

—

Dec

—

ZGEN 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.

ZGEN

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

$1,415.49/yr

After 10yr DRIP, annual income (after tax)

$3,936.49/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, ZGEN beats the other by $3,172.18/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 ZGEN + SPHD for your $10,000?

ZGEN: 50%SPHD: 50%

100% SPHD50/50100% ZGEN

Portfolio after 10yr

$43.7K

Annual income

$2,765.19/yr

Blended yield

6.33%

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

ZGEN buys

SPHD buys

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

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

MetricZGENSPHD

Forward yield	16.65% ✓	4.00%
Annual dividend / share	$2.00	$2.00
Payout ratio	50%	50%
1-year div growth	0%	5% ✓
5-year div CAGR	0%	5% ✓
Portfolio after 10y	$59.3K ✓	$28.0K
Annual income after 10y	$4,631.17 ✓	$899.19
Total dividends collected	$30.5K ✓	$6.4K
Payment frequency	quarterly	quarterly
Sector	Stock	ETF

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

Year	ZGEN Portfolio	ZGEN Income/yr	SPHD Portfolio	SPHD Income/yr	Gap
1← crossover	$12,365	$1,665.28	$11,120	$420.00	+$1.2K → ZGEN
2	$15,155	$1,924.45	$12,357	$458.31	+$2.8K → ZGEN
3	$18,421	$2,204.37	$13,721	$499.76	+$4.7K → ZGEN
4	$22,214	$2,504.02	$15,227	$544.58	+$7.0K → ZGEN
5	$26,591	$2,822.14	$16,885	$593.02	+$9.7K → ZGEN
6	$31,610	$3,157.22	$18,713	$645.34	+$12.9K → ZGEN
7	$37,330	$3,507.56	$20,724	$701.81	+$16.6K → ZGEN
8	$43,814	$3,871.31	$22,938	$762.73	+$20.9K → ZGEN
9	$51,128	$4,246.52	$25,372	$828.41	+$25.8K → ZGEN
10	$59,338	$4,631.17	$28,047	$899.19	+$31.3K → ZGEN

ZGEN vs SPHD: Complete Analysis 2026

ZGEN — Stock

The fund is an actively managed ETF that will invest its assets in U.S.-listed equity securities of companies that, in the assessment of the Sub-Adviser (Alkali Fintech LLC), are the most relevant to Generation Z. Gen Z is the largest generation to date with well over 2 billion members. Gen Z is forecasted to become the highest earning generation within a decade. Historically, technology has been most rapidly adopted by younger, emerging generations.

Full ZGEN 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.