Is BSPIX or RYLD a better dividend investment in 2026?

BSPIX currently yields 1.78% with a 5% 5-year dividend growth rate. RYLD yields 4.00% with 5% growth. The better choice depends on your goal: RYLD offers higher current income.

What is the dividend yield difference between BSPIX and RYLD?

BSPIX has a forward dividend yield of 1.78% ($13.19/share annually). RYLD yields 4.00% ($2.00/share annually). The yield gap is 2.22 percentage points.

Home › Compare › BSPIX vs RYLD

BSPIX vs RYLD: Dividend Comparison 2026

BSPIX yields 1.78% · RYLD yields 4.00%● Live data

vsPost on X →

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

🏆 RYLD wins by $5.8K in total portfolio value

INVESTMENT

TIME HORIZON10 years

BSPIX

● Live price

1.78%

Share price

$739.67

Annual div

$13.19

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$22.3K

Annual income

$200.20

Full BSPIX calculator →

RYLD

● 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 RYLD calculator →

Portfolio growth — BSPIX vs RYLD

📍 RYLD 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	BSPIX	RYLD
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, BSPIX + RYLD cover 0 of 12 months — good coverage

Jan

—

Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

BSPIX pays

RYLD pays

Both pay

Neither

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Tax Bracket Optimizer

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

BSPIX

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

$151.62/yr

After 10yr DRIP, annual income (after tax)

$170.17/yr

RYLD

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, RYLD beats the other by $594.14/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 BSPIX + RYLD for your $10,000?

BSPIX: 50%RYLD: 50%

100% RYLD50/50100% BSPIX

Portfolio after 10yr

$25.2K

Annual income

$549.70/yr

Blended yield

2.18%

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

BSPIX buys

RYLD buys

No recent congressional trades found for BSPIX or RYLD in the last 90 days.

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

MetricBSPIXRYLD

Forward yield	1.78%	4.00% ✓
Annual dividend / share	$13.19 ✓	$2.00
Payout ratio	50%	50%
1-year div growth	0%	5% ✓
5-year div CAGR	0%	5% ✓
Portfolio after 10y	$22.3K	$28.0K ✓
Annual income after 10y	$200.20	$899.19 ✓
Total dividends collected	$1.9K	$6.4K ✓
Payment frequency	quarterly	quarterly
Sector	Stock	ETF

Year-by-year: BSPIX vs RYLD ($10,000, DRIP)

Year	BSPIX Portfolio	BSPIX Income/yr	RYLD Portfolio	RYLD Income/yr	Gap
1← crossover	$10,878	$178.37	$11,120	$420.00	$242.00 → RYLD
2	$11,821	$181.34	$12,357	$458.31	$536.00 → RYLD
3	$12,833	$184.17	$13,721	$499.76	$888.00 → RYLD
4	$13,918	$186.85	$15,227	$544.58	$1.3K → RYLD
5	$15,082	$189.39	$16,885	$593.02	$1.8K → RYLD
6	$16,329	$191.80	$18,713	$645.34	$2.4K → RYLD
7	$17,666	$194.08	$20,724	$701.81	$3.1K → RYLD
8	$19,099	$196.24	$22,938	$762.73	$3.8K → RYLD
9	$20,634	$198.28	$25,372	$828.41	$4.7K → RYLD
10	$22,279	$200.20	$28,047	$899.19	$5.8K → RYLD

BSPIX vs RYLD: Complete Analysis 2026

BSPIX — Stock

The fund is a "feeder" fund that invests all of its assets in the Master Portfolio of MIP, which has the same investment objective and strategies as the fund. At least 90% of the value of the fund's assets is invested in securities comprising the S&P 500 Index. The percentage of the fund's assets invested in a given stock is approximately the same as the percentage such stock represents in the S&P 500 Index.

Full BSPIX Calculator →

RYLD — ETF

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

Full RYLD 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.