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CMBS vs XYLD: Dividend Comparison 2026

CMBS yields 3.51% · XYLD yields 10.98%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 XYLD wins by $182.00 in total portfolio value· pulled ahead in Year 10
10 years
CMBS
CMBS
● Live price
3.51%
Share price
$48.80
Annual div
$1.71
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$25.1K
Annual income
$440.35
Full CMBS 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
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$25.3K
Annual income
$3,219.02
Full XYLD calculator →

Portfolio growth — CMBS vs XYLD

📍 XYLD pulled ahead of the other in Year 10

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 PeriodCMBSXYLD
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, CMBS + XYLD cover 0 of 12 months — good coverage

Jan
—
Feb
—
Mar
—
Apr
—
May
—
Jun
—
Jul
—
Aug
—
Sep
—
Oct
—
Nov
—
Dec
—
CMBS pays
XYLD pays
Both pay
Neither
💰

Tax Bracket Optimizer

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

CMBS
Annual income on $10K today (after 15% tax)
$298.60/yr
After 10yr DRIP, annual income (after tax)
$374.30/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 $2,361.87/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

CMBS: 50%XYLD: 50%
100% XYLD50/50100% CMBS
Portfolio after 10yr
$25.2K
Annual income
$1,829.68/yr
Blended yield
7.26%
🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

CMBS buys
0
XYLD buys
0
No recent congressional trades found for CMBS or XYLD in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricCMBSXYLD
Forward yield3.51%10.98% ✓
Annual dividend / share$1.71$4.30 ✓
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR0%0%
Portfolio after 10y$25.1K$25.3K ✓
Annual income after 10y$440.35$3,219.02 ✓
Total dividends collected$4.0K$19.6K ✓
Payment frequencyquarterlymonthly
SectorStockETF

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

YearCMBS PortfolioCMBS Income/yrXYLD PortfolioXYLD Income/yrGap
1$11,051$351.30$10,818$1,098.39+$233.00 → CMBS
2$12,188$362.83$11,738$1,222.51+$450.00 → CMBS
3$13,415$373.96$12,774$1,364.64+$641.00 → CMBS
4$14,739$384.69$13,944$1,527.86+$795.00 → CMBS
5$16,165$395.00$15,270$1,715.87+$895.00 → CMBS
6$17,702$404.89$16,775$1,933.09+$927.00 → CMBS
7$19,355$414.37$18,490$2,184.87+$865.00 → CMBS
8$21,133$423.43$20,450$2,477.63+$683.00 → CMBS
9$23,045$432.09$22,697$2,819.19+$348.00 → CMBS
10← crossover$25,098$440.35$25,280$3,219.02$182.00 → XYLD

CMBS vs XYLD: Complete Analysis 2026

CMBS — Stock

The iShares CMBS ETF seeks to track the investment results of an index composed of investment-grade commercial mortgage-backed securities.

Full CMBS 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.