Is CGRIF or XYLD a better dividend investment in 2026?

CGRIF currently yields 2.42% 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 CGRIF and XYLD?

CGRIF has a forward dividend yield of 2.42% ($0.81/share annually). XYLD yields 10.98% ($4.30/share annually). The yield gap is 8.56 percentage points.

Home › Compare › CGRIF vs XYLD

CGRIF vs XYLD: Dividend Comparison 2026

CGRIF yields 2.42% · XYLD yields 10.98%● Live data

vsPost on X →

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

🏆 CGRIF wins by $151.1K in total portfolio value

INVESTMENT

TIME HORIZON10 years

CGRIF

● Live price

2.42%

Share price

$33.65

Annual div

$0.81

5Y div CAGR

52.1%

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$176.4K

Annual income

$79,187.28

Full CGRIF 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 — CGRIF vs XYLD

📍 CGRIF 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	CGRIF	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, CGRIF + XYLD 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

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Nov

—

Dec

—

CGRIF 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.

CGRIF

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

$205.57/yr

After 10yr DRIP, annual income (after tax)

$67,309.19/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, CGRIF beats the other by $64,573.02/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 CGRIF + XYLD for your $10,000?

CGRIF: 50%XYLD: 50%

100% XYLD50/50100% CGRIF

Portfolio after 10yr

$100.8K

Annual income

$41,203.15/yr

Blended yield

40.86%

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

CGRIF buys

XYLD buys

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

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

MetricCGRIFXYLD

Forward yield	2.42%	10.98% ✓
Annual dividend / share	$0.81	$4.30 ✓
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	52.1% ✓	0%
Portfolio after 10y	$176.4K ✓	$25.3K
Annual income after 10y	$79,187.28 ✓	$3,219.02
Total dividends collected	$146.0K ✓	$19.6K
Payment frequency	quarterly	monthly
Sector	Stock	ETF

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

Year	CGRIF Portfolio	CGRIF Income/yr	XYLD Portfolio	XYLD Income/yr	Gap
1← crossover	$11,068	$367.84	$10,818	$1,098.39	+$250.00 → CGRIF
2	$12,421	$578.72	$11,738	$1,222.51	+$683.00 → CGRIF
3	$14,214	$923.25	$12,774	$1,364.64	+$1.4K → CGRIF
4	$16,711	$1,501.81	$13,944	$1,527.86	+$2.8K → CGRIF
5	$20,390	$2,509.82	$15,270	$1,715.87	+$5.1K → CGRIF
6	$26,171	$4,353.27	$16,775	$1,933.09	+$9.4K → CGRIF
7	$35,945	$7,942.47	$18,490	$2,184.87	+$17.5K → CGRIF
8	$53,969	$15,506.87	$20,450	$2,477.63	+$33.5K → CGRIF
9	$90,842	$33,095.26	$22,697	$2,819.19	+$68.1K → CGRIF
10	$176,388	$79,187.28	$25,280	$3,219.02	+$151.1K → CGRIF

CGRIF vs XYLD: Complete Analysis 2026

CGRIF — Stock

Canadian General Investments, Limited is a close ended equity mutual fund launched and managed by Morgan Meighen & Associates Limited. It invests in the public equity markets of Canada. The fund seeks to invest in stocks of companies operating across diversified sectors. It invests in stocks of companies across all market capitalization. The fund employs fundamental analysis with a bottom-up stock picking approach focusing on timely recognition of capital gains and appropriate income generating instruments to create its portfolio. It benchmarks the performance of its portfolio against the S&P/TSX Composite Index. Canadian General Investments, Limited was formed on January 15, 1930 and is domiciled in Ontario, Canada.

Full CGRIF 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.