HomeCompareCRDT vs RYLD

CRDT vs RYLD: Dividend Comparison 2026

CRDT yields 6.91% · RYLD yields 4.00%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 CRDT wins by $3.5K in total portfolio value
10 years
CRDT
CRDT
● Live price
6.91%
Share price
$22.44
Annual div
$1.55
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$31.6K
Annual income
$1,071.25
Full CRDT calculator →
RYLD
RYLD
● Live price
4.00%
Share price
$50.00
Annual div
$2.00
5Y div CAGR
5%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$28.0K
Annual income
$899.19
Full RYLD calculator →

Portfolio growth — CRDT vs RYLD

📍 CRDT 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 PeriodCRDTRYLD
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, CRDT + RYLD cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
CRDT pays
RYLD pays
Both pay
Neither
💰

Tax Bracket Optimizer

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

CRDT
Annual income on $10K today (after 15% tax)
$587.12/yr
After 10yr DRIP, annual income (after tax)
$910.56/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, CRDT beats the other by $146.25/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of CRDT + RYLD for your $10,000?

CRDT: 50%RYLD: 50%
100% RYLD50/50100% CRDT
Portfolio after 10yr
$29.8K
Annual income
$985.22/yr
Blended yield
3.30%
🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

CRDT buys
0
RYLD buys
0
No recent congressional trades found for CRDT or RYLD in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricCRDTRYLD
Forward yield6.91%4.00%
Annual dividend / share$1.55$2.00
Payout ratio50%50%
1-year div growth0%5%
5-year div CAGR0%5%
Portfolio after 10y$31.6K$28.0K
Annual income after 10y$1,071.25$899.19
Total dividends collected$8.9K$6.4K
Payment frequencyquarterlyquarterly
SectorStockETF

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

YearCRDT PortfolioCRDT Income/yrRYLD PortfolioRYLD Income/yrGap
1← crossover$11,391$690.73$11,120$420.00+$271.00CRDT
2$12,923$735.32$12,357$458.31+$566.00CRDT
3$14,608$779.68$13,721$499.76+$887.00CRDT
4$16,454$823.64$15,227$544.58+$1.2KCRDT
5$18,473$867.05$16,885$593.02+$1.6KCRDT
6$20,676$909.75$18,713$645.34+$2.0KCRDT
7$23,074$951.62$20,724$701.81+$2.4KCRDT
8$25,682$992.55$22,938$762.73+$2.7KCRDT
9$28,512$1,032.46$25,372$828.41+$3.1KCRDT
10$31,580$1,071.25$28,047$899.19+$3.5KCRDT

CRDT vs RYLD: Complete Analysis 2026

CRDTStock

The Simplify Opportunistic Income ETF (CRDT) seeks to provide current income, with long-term capital appreciation as a secondary objective. CRDT is an actively managed, opportunistic credit strategy focused on security selection within high-yield, investment grade, and distressed debt. By deploying a multi-step investment process that combines macroeconomic, quantitative, and fundamental research, the fund seeks to generate alpha that diversifies the traditional investment portfolio. The strategy is sub-advised by Asterozoa Capital, an alternatives manager focused on opportunistic investing across the capital structure while minimizing risks/correlations through portfolio construction and hedging.

Full CRDT Calculator →

RYLDETF

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.