Is CIHHF or XYLD a better dividend investment in 2026?

CIHHF currently yields 6.72% with a 5% 5-year dividend growth rate. XYLD yields 11.20% with 0.5% growth. The better choice depends on your goal: XYLD offers higher current income.

What is the dividend yield difference between CIHHF and XYLD?

CIHHF has a forward dividend yield of 6.72% ($0.41/share annually). XYLD yields 11.20% ($4.30/share annually). The yield gap is 4.48 percentage points.

Home › Compare › CIHHF vs XYLD

CIHHF vs XYLD: Dividend Comparison 2026

CIHHF yields 6.72% · XYLD yields 11.20%● Live data

vsPost on X →

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

🏆 CIHHF wins by $261.3K in total portfolio value

INVESTMENT

TIME HORIZON10 years

CIHHF

● Live price

6.72%

Share price

$6.07

Annual div

$0.41

5Y div CAGR

36.5%

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$287.2K

Annual income

$124,685.95

Full CIHHF calculator →

XYLD

Global X S&P 500 Covered Call ETF

● Live price

11.20%

Share price

$38.36

Annual div

$4.30

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$25.9K

Annual income

$3,351.03

Full XYLD calculator →

Portfolio growth — CIHHF vs XYLD

📍 CIHHF pulled ahead of the other in Year 1

Annual dividend income

🛡️

Recession Test — Did They Cut Dividends?

How each stock treated shareholders during the 3 biggest crises of the last 20 years

Crisis Period	CIHHF	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%.

📅

Dividend Calendar Overlap

Combined, CIHHF + XYLD cover 0 of 12 months — good coverage

Jan

—

Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

CIHHF pays

XYLD pays

Both pay

Neither

💰

Tax Bracket Optimizer

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

CIHHF

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

$571.38/yr

After 10yr DRIP, annual income (after tax)

$105,983.06/yr

XYLD

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

$952.37/yr

After 10yr DRIP, annual income (after tax)

$2,848.38/yr

At 15% tax rate, CIHHF beats the other by $103,134.68/year in after-tax income after 10 years on $10,000

⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of CIHHF + XYLD for your $10,000?

CIHHF: 50%XYLD: 50%

100% XYLD50/50100% CIHHF

Portfolio after 10yr

$156.5K

Annual income

$64,018.49/yr

Blended yield

40.90%

📊

Analyst Conviction Gap

Where Wall Street is most bullish on CIHHF right now

CIHHF

Analyst Ratings

Buy

Consensus: Buy

Altman Z

0.3

Piotroski

5/9

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.

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

CIHHF buys

XYLD buys

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

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

MetricCIHHFXYLD

Forward yield	6.72%	11.20% ✓
Annual dividend / share	$0.41	$4.30 ✓
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	36.5% ✓	0%
Portfolio after 10y	$287.2K ✓	$25.9K
Annual income after 10y	$124,685.95 ✓	$3,351.03
Total dividends collected	$246.6K ✓	$20.2K
Payment frequency	quarterly	monthly
Sector	Stock	ETF

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

Year	CIHHF Portfolio	CIHHF Income/yr	XYLD Portfolio	XYLD Income/yr	Gap
1← crossover	$11,618	$917.56	$10,840	$1,120.44	+$778.00 → CIHHF
2	$13,791	$1,359.88	$11,786	$1,249.59	+$2.0K → CIHHF
3	$16,815	$2,059.30	$12,854	$1,397.78	+$4.0K → CIHHF
4	$21,196	$3,203.23	$14,063	$1,568.33	+$7.1K → CIHHF
5	$27,830	$5,150.83	$15,434	$1,765.19	+$12.4K → CIHHF
6	$38,406	$8,627.72	$16,995	$1,993.14	+$21.4K → CIHHF
7	$56,283	$15,188.96	$18,777	$2,257.95	+$37.5K → CIHHF
8	$88,619	$28,396.06	$20,818	$2,566.58	+$67.8K → CIHHF
9	$151,859	$57,036.79	$23,163	$2,927.50	+$128.7K → CIHHF
10	$287,175	$124,685.95	$25,865	$3,351.03	+$261.3K → CIHHF

CIHHF vs XYLD: Complete Analysis 2026

CIHHF — Stock

China Merchants Bank Co., Ltd., together with its subsidiaries, provides various banking products and services. It operates through Wholesale Finance Business, Retail Finance Business, and Other Business segments. The company offers current, demand, time, call, savings, notice, and renminbi accounts. Its loan products include personal commercial real estate, consumption, housing, and car loans; loans to finance for studying abroad; micro-business loans; mortgage loans for equipment; joint guarantee, special guarantee, and housing mortgage loan; bank acceptance, discount, liquid capital, and fixed asset loans; and loans for vessels. The company also offers credit cards; insurance products; open-ended funds; discount and guarantees for commercial bills, redemption of commercial bills, and guaranteed discount for commercial acceptance bills; and financial consultation, debt financing underwriting, merger and acquisition financing, and equity financing and enterprise listing services. In addition, it provides forfeiting and risk participation, escrow, cross-border RMB clearing, and interbank services; and risk and financial management, cross-border RMB and oversea financing, international factoring and settlement, and trade finance services. Further, the company offers financial leasing and guarantee, investment and wealth management, forex option and gold trading, forex express trading, international, offshore and private banking, custody, pension, and electronic banking services. As of December 31, 2021, it operated 143 branches; 1,770 sub-branches; one branch-level operation center; 2,812 self-service centers; 6,592 self-service machines; one representative office; 14,746 visual counters in Mainland China. The company also operates in Hong Kong, New York, London, Singapore, Luxembourg, Sydney, and Taipei. China Merchants Bank Co., Ltd. was founded in 1987 and is headquartered in Shenzhen, China.

Full CIHHF 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 →

📬

Get this CIHHF vs XYLD comparison by email

Save your analysis + weekly dividend insights. Free forever.

More comparisons

CIHHF vs SCHD CIHHF vs JEPI CIHHF vs O CIHHF vs KO CIHHF vs MAIN CIHHF vs QYLD CIHHF vs JEPQ CIHHF vs RYLD

⚠️ Educational purposes only. Not financial advice. Congressional trades sourced from SEC STOCK Act filings via FMP. Past performance does not guarantee future results.