Is BTMFX or RYLD a better dividend investment in 2026?

BTMFX currently yields 11.27% with a 5% 5-year dividend growth rate. RYLD yields 4.00% with 5% growth. The better choice depends on your goal: BTMFX offers higher current income.

What is the dividend yield difference between BTMFX and RYLD?

BTMFX has a forward dividend yield of 11.27% ($2.49/share annually). RYLD yields 4.00% ($2.00/share annually). The yield gap is 7.27 percentage points.

Home › Compare › BTMFX vs RYLD

BTMFX vs RYLD: Dividend Comparison 2026

BTMFX yields 11.27% · RYLD yields 4.00%● Live data

vsPost on X →

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

🏆 BTMFX wins by $14.0K in total portfolio value

INVESTMENT

TIME HORIZON10 years

BTMFX

● Live price

11.27%

Share price

$22.12

Annual div

$2.49

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$42.1K

Annual income

$2,279.35

Full BTMFX 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 — BTMFX vs RYLD

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

Jan

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Feb

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Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

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Sep

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Oct

—

Nov

—

Dec

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BTMFX 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.

BTMFX

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

$957.53/yr

After 10yr DRIP, annual income (after tax)

$1,937.45/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, BTMFX beats the other by $1,173.14/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 BTMFX + RYLD for your $10,000?

BTMFX: 50%RYLD: 50%

100% RYLD50/50100% BTMFX

Portfolio after 10yr

$35.1K

Annual income

$1,589.28/yr

Blended yield

4.53%

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

BTMFX buys

RYLD buys

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

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

MetricBTMFXRYLD

Forward yield	11.27% ✓	4.00%
Annual dividend / share	$2.49 ✓	$2.00
Payout ratio	50%	50%
1-year div growth	0%	5% ✓
5-year div CAGR	0%	5% ✓
Portfolio after 10y	$42.1K ✓	$28.0K
Annual income after 10y	$2,279.35 ✓	$899.19
Total dividends collected	$16.9K ✓	$6.4K
Payment frequency	quarterly	quarterly
Sector	Stock	ETF

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

Year	BTMFX Portfolio	BTMFX Income/yr	RYLD Portfolio	RYLD Income/yr	Gap
1← crossover	$11,827	$1,126.50	$11,120	$420.00	+$707.00 → BTMFX
2	$13,899	$1,245.10	$12,357	$458.31	+$1.5K → BTMFX
3	$16,240	$1,367.61	$13,721	$499.76	+$2.5K → BTMFX
4	$18,870	$1,493.37	$15,227	$544.58	+$3.6K → BTMFX
5	$21,813	$1,621.71	$16,885	$593.02	+$4.9K → BTMFX
6	$25,092	$1,751.96	$18,713	$645.34	+$6.4K → BTMFX
7	$28,732	$1,883.47	$20,724	$701.81	+$8.0K → BTMFX
8	$32,758	$2,015.60	$22,938	$762.73	+$9.8K → BTMFX
9	$37,199	$2,147.75	$25,372	$828.41	+$11.8K → BTMFX
10	$42,083	$2,279.35	$28,047	$899.19	+$14.0K → BTMFX

BTMFX vs RYLD: Complete Analysis 2026

BTMFX — Stock

The fund invests, under normal circumstances, at least 80% of its assets in a diversified portfolio of domestic equity securities of midcap companies. Equity securities include common stock and any rights to purchase common stock. For these purposes, the Adviser defines midcap companies as those with market capitalizations within the range encompassed by the Russell Midcap® Index at the time of purchase.

Full BTMFX 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.