The biggest point of differentiation between TDIV and XLK would be TDIV having no exposure to Apple ( AAPL) vs. 19% for XLK. To be included in TDIV a stock must have paid a dividend for at least one year. Apple only started paying dividends this month so it would seem that Apple would be added to TDIV at the first rebalancing after one year of dividends. Based on the current makeup of the fund it would seem that if Apple does get added it would have a 7% weight. That is still much less than 19% of course but still enough to influence TDIV's results when the time comes. Investors should not lose sight of the notion that dividends are now very popular and popular is not always good where investing is concerned. It is not worthwhile to try to predict when or if dividend stocks will start to do poorly so much as continually monitoring dividend based holdings for signs of starting to do poorly. At the time of publication, the author held a long position in VOD.This article is commentary by an independent contributor, separate from TheStreet's regular news coverage.