Is BTMSX or XYLD a better dividend investment in 2026?

BTMSX currently yields 3.05% 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 BTMSX and XYLD?

BTMSX has a forward dividend yield of 3.05% ($0.31/share annually). XYLD yields 10.98% ($4.30/share annually). The yield gap is 7.93 percentage points.

Home › Compare › BTMSX vs XYLD

BTMSX vs XYLD: Dividend Comparison 2026

BTMSX yields 3.05% · XYLD yields 10.98%● Live data

vsPost on X →

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

🏆 XYLD wins by $962.00 in total portfolio value· pulled ahead in Year 9

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 →

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 — BTMSX vs XYLD

📍 XYLD pulled ahead of the other in Year 9

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

Jan

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Feb

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Mar

—

Apr

—

May

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Jun

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Jul

—

Aug

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Sep

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Oct

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Nov

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Dec

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BTMSX pays

XYLD pays

Both pay

Neither

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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

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 $2,420.32/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 + XYLD for your $10,000?

BTMSX: 50%XYLD: 50%

100% XYLD50/50100% BTMSX

Portfolio after 10yr

$24.8K

Annual income

$1,795.31/yr

Blended yield

7.24%

📊

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

XYLD

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

XYLD buys

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

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

MetricBTMSXXYLD

Forward yield	3.05%	10.98% ✓
Annual dividend / share	$0.31	$4.30 ✓
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	0%	0%
Portfolio after 10y	$24.3K	$25.3K ✓
Annual income after 10y	$371.59	$3,219.02 ✓
Total dividends collected	$3.4K	$19.6K ✓
Payment frequency	quarterly	monthly
Sector	Stock	ETF

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

Year	BTMSX Portfolio	BTMSX Income/yr	XYLD Portfolio	XYLD Income/yr	Gap
1	$11,005	$305.25	$10,818	$1,098.39	+$187.00 → BTMSX
2	$12,090	$313.96	$11,738	$1,222.51	+$352.00 → BTMSX
3	$13,258	$322.33	$12,774	$1,364.64	+$484.00 → BTMSX
4	$14,517	$330.37	$13,944	$1,527.86	+$573.00 → BTMSX
5	$15,871	$338.06	$15,270	$1,715.87	+$601.00 → BTMSX
6	$17,327	$345.42	$16,775	$1,933.09	+$552.00 → BTMSX
7	$18,893	$352.44	$18,490	$2,184.87	+$403.00 → BTMSX
8	$20,574	$359.14	$20,450	$2,477.63	+$124.00 → BTMSX
9← crossover	$22,380	$365.52	$22,697	$2,819.19	$317.00 → XYLD
10	$24,318	$371.59	$25,280	$3,219.02	$962.00 → XYLD

BTMSX vs XYLD: 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 →

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.