Is BTMSX or QYLD a better dividend investment in 2026?

BTMSX currently yields 3.05% with a 5% 5-year dividend growth rate. QYLD yields 11.92% with -2.1% growth. The better choice depends on your goal: QYLD offers higher current income.

What is the dividend yield difference between BTMSX and QYLD?

BTMSX has a forward dividend yield of 3.05% ($0.31/share annually). QYLD yields 11.92% ($2.04/share annually). The yield gap is 8.87 percentage points.

Home › Compare › BTMSX vs QYLD

BTMSX vs QYLD: Dividend Comparison 2026

BTMSX yields 3.05% · QYLD yields 11.92%● Live data

vsPost on X →

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

🏆 QYLD wins by $1.1K in total portfolio value· pulled ahead in Year 10

INVESTMENT

TIME HORIZON10 years

BTMSX

● Live price

3.05%

Share price

$10.03

Annual div

$0.31

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$24.3K

Annual income

$371.59

Full BTMSX calculator →

QYLD

Global X Nasdaq 100 Covered Call ETF

● Live price

11.92%

Share price

$17.15

Annual div

$2.04

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$25.4K

Annual income

$5,659.31

Full QYLD calculator →

Portfolio growth — BTMSX vs QYLD

📍 QYLD pulled ahead of the other in Year 10

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	BTMSX	QYLD
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, BTMSX + QYLD cover 0 of 12 months — good coverage

Jan

—

Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

BTMSX pays

QYLD pays

Both pay

Neither

💰

Tax Bracket Optimizer

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

BTMSX

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

$259.47/yr

After 10yr DRIP, annual income (after tax)

$315.85/yr

QYLD

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

$1,013.51/yr

After 10yr DRIP, annual income (after tax)

$4,810.41/yr

At 15% tax rate, QYLD beats the other by $4,494.56/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 BTMSX + QYLD for your $10,000?

BTMSX: 50%QYLD: 50%

100% QYLD50/50100% BTMSX

Portfolio after 10yr

$24.9K

Annual income

$3,015.46/yr

Blended yield

12.13%

📊

Analyst Conviction Gap

Where Wall Street is split right now

BTMSX

No analyst data

Price Target

$26.00

+159.2% upside vs current

Range: $26.00 — $26.00

QYLD

No analyst data

Analyst ratings via FMP. Altman Z-Score: >3.0 safe, 1.81–3.0 grey zone, <1.81 distress. Piotroski: 7–9 strong, 0–3 weak.

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Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

BTMSX buys

QYLD buys

Politician	Chamber	Ticker	Type	Amount	Date
Tim Moore	🏢 House	$QYLD	▼ Sell	$15,001 - $50,000	2025-05-02
Tim Moore	🏢 House	$QYLD	▲ Buy	$15,001 - $50,000	2025-04-07
Dwight Evans	🏢 House	$QYLD	▼ Sell	$1,001 - $15,000	2022-11-14
Dwight Evans	🏢 House	$QYLD	▼ Sell	$1,001 - $15,000	2020-10-29

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

MetricBTMSXQYLD

Forward yield	3.05%	11.92% ✓
Annual dividend / share	$0.31	$2.04 ✓
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	0%	0%
Portfolio after 10y	$24.3K	$25.4K ✓
Annual income after 10y	$371.59	$5,659.31 ✓
Total dividends collected	$3.4K	$27.1K ✓
Payment frequency	quarterly	monthly
Sector	Stock	ETF

Year-by-year: BTMSX vs QYLD ($10,000, DRIP)

Year	BTMSX Portfolio	BTMSX Income/yr	QYLD Portfolio	QYLD Income/yr	Gap
1	$11,005	$305.25	$10,352	$1,192.36	+$653.00 → BTMSX
2	$12,090	$313.96	$10,830	$1,347.57	+$1.3K → BTMSX
3	$13,258	$322.33	$11,460	$1,539.07	+$1.8K → BTMSX
4	$14,517	$330.37	$12,275	$1,777.84	+$2.2K → BTMSX
5	$15,871	$338.06	$13,323	$2,078.95	+$2.5K → BTMSX
6	$17,327	$345.42	$14,667	$2,463.34	+$2.7K → BTMSX
7	$18,893	$352.44	$16,396	$2,960.57	+$2.5K → BTMSX
8	$20,574	$359.14	$18,631	$3,612.97	+$1.9K → BTMSX
9	$22,380	$365.52	$21,548	$4,482.15	+$832.00 → BTMSX
10← crossover	$24,318	$371.59	$25,398	$5,659.31	$1.1K → QYLD

BTMSX vs QYLD: Complete Analysis 2026

BTMSX — Stock

The fund normally invests at least 80% of its net assets in municipal bonds and debentures, the income from which is exempt from federal income tax (including the federal alternative minimum tax ("AMT")). It invests in a broadly diversified portfolio of federally tax-exempt municipal obligations issued by governmental authorities throughout the U.S. and its territories. The fund may invest in all types of municipal obligations, including pre-refunded bonds, general obligation bonds, revenue bonds, and municipal lease participations.

Full BTMSX Calculator →

QYLD — ETF

The Global X Nasdaq 100 Covered Call ETF (QYLD) seeks to provide investment results that correspond generally to the price and yield performance, before fees and expenses, of the Cboe Nasdaq-100 BuyWrite V2 Index.

Full QYLD 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.