Is AAALF or XYLD a better dividend investment in 2026?

AAALF currently yields 5.00% with a 5% 5-year dividend growth rate. XYLD yields 10.98% with 0.5% growth. The better choice depends on your goal: XYLD offers higher current income.

What is the dividend yield difference between AAALF and XYLD?

AAALF has a forward dividend yield of 5.00% ($1.60/share annually). XYLD yields 10.98% ($4.30/share annually). The yield gap is 5.98 percentage points.

Home › Compare › AAALF vs XYLD

AAALF vs XYLD: Dividend Comparison 2026

AAALF yields 5.00% · XYLD yields 10.98%● Live data

vsPost on X →

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

🏆 XYLD wins by $4.7K in total portfolio value· pulled ahead in Year 3

INVESTMENT

TIME HORIZON10 years

AAALF

● Live price

5.00%

Share price

$31.99

Annual div

$1.60

5Y div CAGR

-50%

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$20.5K

Annual income

$0.51

Full AAALF calculator →

XYLD

Global X S&P 500 Covered Call ETF

● Live price

10.98%

Share price

$39.13

Annual div

$4.30

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$25.3K

Annual income

$3,219.02

Full XYLD calculator →

Portfolio growth — AAALF vs XYLD

📍 XYLD pulled ahead of the other in Year 3

Annual dividend income

🛡️

Recession Test — Did They Cut Dividends?

How each stock treated shareholders during the 3 biggest crises of the last 20 years

Crisis Period	AAALF	XYLD
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, AAALF + XYLD 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

—

AAALF pays

XYLD pays

Both pay

Neither

💰

Tax Bracket Optimizer

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

AAALF

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

$425.13/yr

After 10yr DRIP, annual income (after tax)

$0.43/yr

XYLD

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

$933.63/yr

After 10yr DRIP, annual income (after tax)

$2,736.17/yr

At 15% tax rate, XYLD beats the other by $2,735.73/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 AAALF + XYLD for your $10,000?

AAALF: 50%XYLD: 50%

100% XYLD50/50100% AAALF

Portfolio after 10yr

$22.9K

Annual income

$1,609.77/yr

Blended yield

7.03%

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

AAALF buys

XYLD buys

No recent congressional trades found for AAALF or XYLD in the last 90 days.

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

MetricAAALFXYLD

Forward yield	5.00%	10.98% ✓
Annual dividend / share	$1.60	$4.30 ✓
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	-50%	0% ✓
Portfolio after 10y	$20.5K	$25.3K ✓
Annual income after 10y	$0.51	$3,219.02 ✓
Total dividends collected	$507.00 ✓	$19.6K
Payment frequency	quarterly	monthly
Sector	Stock	ETF

Year-by-year: AAALF vs XYLD ($10,000, DRIP)

Year	AAALF Portfolio	AAALF Income/yr	XYLD Portfolio	XYLD Income/yr	Gap
1	$10,950	$250.08	$10,818	$1,098.39	+$132.00 → AAALF
2	$11,845	$127.96	$11,738	$1,222.51	+$107.00 → AAALF
3← crossover	$12,738	$64.68	$12,774	$1,364.64	$36.00 → XYLD
4	$13,663	$32.50	$13,944	$1,527.86	$281.00 → XYLD
5	$14,635	$16.29	$15,270	$1,715.87	$635.00 → XYLD
6	$15,668	$8.15	$16,775	$1,933.09	$1.1K → XYLD
7	$16,769	$4.08	$18,490	$2,184.87	$1.7K → XYLD
8	$17,944	$2.04	$20,450	$2,477.63	$2.5K → XYLD
9	$19,202	$1.02	$22,697	$2,819.19	$3.5K → XYLD
10	$20,546	$0.51	$25,280	$3,219.02	$4.7K → XYLD

AAALF vs XYLD: Complete Analysis 2026

AAALF — Stock

Aareal Bank AG, together with its subsidiaries, provides financing, software products, digital solutions, and payment transaction applications for the property sector and related industries in Germany, North America, Asia Pacific, and internationally. The company operates through three segments: Structured Property Financing, Banking & Digital solutions, and Aareon. The Structured Property Financing segment offers property financing and refinancing solutions for office buildings, hotels, and shopping centers, as well as retail, logistics, residential properties, and student housing. This segment also provides deposits, registered and bearer Pfandbriefe, promissory note loans, medium-term notes, debt securities, private placements, other bonds and subordinated issues, mortgage Pfandbriefe, and public sector Pfandbriefe. The Banking & Digital solutions segment offers various services and products for the housing, commercial property, and energy and waste disposal industries. Its services include specialized banking, payment systems, and optimized business processes. The Aareon segment provides IT systems consultancy and related advisory services, enterprise resource planning systems, software solutions, hosting and software as a service, and in-house services. Aareal Bank AG was incorporated in 1923 and is headquartered in Wiesbaden, Germany.

Full AAALF Calculator →

XYLD — ETF

The Global X S&P 500 Covered Call ETF (XYLD) seeks to provide investment results that correspond generally to the price and yield performance, before fees and expenses, of the Cboe S&P 500 BuyWrite Index.

Full XYLD 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.