Is CPYYF or RYLD a better dividend investment in 2026?

CPYYF currently yields 2.49% with a 5% 5-year dividend growth rate. RYLD yields 4.00% with 5% growth. The better choice depends on your goal: RYLD offers higher current income.

What is the dividend yield difference between CPYYF and RYLD?

CPYYF has a forward dividend yield of 2.49% ($0.07/share annually). RYLD yields 4.00% ($2.00/share annually). The yield gap is 1.51 percentage points.

Home › Compare › CPYYF vs RYLD

CPYYF vs RYLD: Dividend Comparison 2026

CPYYF yields 2.49% · RYLD yields 4.00%● Live data

vsPost on X →

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

🏆 RYLD wins by $4.7K in total portfolio value

INVESTMENT

TIME HORIZON10 years

CPYYF

● Live price

2.49%

Share price

$2.81

Annual div

$0.07

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$23.4K

Annual income

$292.57

Full CPYYF calculator →

RYLD

● Live price

4.00%

Share price

$50.00

Annual div

$2.00

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$28.0K

Annual income

$899.19

Full RYLD calculator →

Portfolio growth — CPYYF vs RYLD

📍 RYLD 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	CPYYF	RYLD
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, CPYYF + RYLD cover 0 of 12 months — good coverage

Jan

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Feb

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Mar

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Apr

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May

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Jun

—

Jul

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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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CPYYF pays

RYLD pays

Both pay

Neither

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Tax Bracket Optimizer

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

CPYYF

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

$211.74/yr

After 10yr DRIP, annual income (after tax)

$248.68/yr

RYLD

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

$340.00/yr

After 10yr DRIP, annual income (after tax)

$764.31/yr

At 15% tax rate, RYLD beats the other by $515.63/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 CPYYF + RYLD for your $10,000?

CPYYF: 50%RYLD: 50%

100% RYLD50/50100% CPYYF

Portfolio after 10yr

$25.7K

Annual income

$595.89/yr

Blended yield

2.32%

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

CPYYF buys

RYLD buys

No recent congressional trades found for CPYYF or RYLD in the last 90 days.

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

MetricCPYYFRYLD

Forward yield	2.49%	4.00% ✓
Annual dividend / share	$0.07	$2.00 ✓
Payout ratio	50%	50%
1-year div growth	0%	5% ✓
5-year div CAGR	0%	5% ✓
Portfolio after 10y	$23.4K	$28.0K ✓
Annual income after 10y	$292.57	$899.19 ✓
Total dividends collected	$2.7K	$6.4K ✓
Payment frequency	quarterly	quarterly
Sector	Stock	ETF

Year-by-year: CPYYF vs RYLD ($10,000, DRIP)

Year	CPYYF Portfolio	CPYYF Income/yr	RYLD Portfolio	RYLD Income/yr	Gap
1← crossover	$10,949	$249.11	$11,120	$420.00	$171.00 → RYLD
2	$11,970	$254.91	$12,357	$458.31	$387.00 → RYLD
3	$13,069	$260.46	$13,721	$499.76	$652.00 → RYLD
4	$14,249	$265.75	$15,227	$544.58	$978.00 → RYLD
5	$15,518	$270.80	$16,885	$593.02	$1.4K → RYLD
6	$16,880	$275.61	$18,713	$645.34	$1.8K → RYLD
7	$18,341	$280.19	$20,724	$701.81	$2.4K → RYLD
8	$19,910	$284.53	$22,938	$762.73	$3.0K → RYLD
9	$21,592	$288.66	$25,372	$828.41	$3.8K → RYLD
10	$23,396	$292.57	$28,047	$899.19	$4.7K → RYLD

CPYYF vs RYLD: Complete Analysis 2026

CPYYF — Stock

Centrica plc operates as an integrated energy company in the United Kingdom, Ireland, Norway, North America, and internationally. The company operates through British Gas Services & Solutions, British Gas Energy, Centrica Business Solutions, Bord Gáis Energy, Energy Marketing & Trading, and Upstream segments. It supplies gas and electricity to residential customers, as well as offers energy-related services; and generates power from nuclear assets. The company also provides installation, repair, and maintenance services for domestic central heating, plumbing and drains, home electrical, and gas and kitchen appliances; and heating, ventilation, and air conditioning equipment, as well as offers breakdown services. In addition, it is involved in the procurement, trading, and optimization of energy; procurement and sale of LNG; and supplies energy efficiency solutions and technologies to residential customers. Further, the company produces and processes gas and oil; develops new fields to maintain reserves; constructs, owns, and exploits infrastructure; and engages in the social enterprise investment fund activities. Additionally, it provides vehicle leasing, commercial, and insurance services, as well as energy management products and services; and operates a gas storage and franchise network. The company was formerly known as Yieldtop plc and changed its name to Centrica plc in December 1996. Centrica plc was founded in 1812 and is based in Windsor, the United Kingdom.

Full CPYYF Calculator →

RYLD — ETF

RYLD is a dividend-paying stock. Use this calculator to estimate your future dividend income, DRIP compounding returns, and passive income potential from investing in RYLD shares.

Full RYLD 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.