Is CYA or QYLD a better dividend investment in 2026?

CYA currently yields 44.96% with a 5% 5-year dividend growth rate. QYLD yields 11.92% with -2.1% growth. The better choice depends on your goal: CYA offers higher current income.

What is the dividend yield difference between CYA and QYLD?

CYA has a forward dividend yield of 44.96% ($0.23/share annually). QYLD yields 11.92% ($2.04/share annually). The yield gap is 33.04 percentage points.

Home › Compare › CYA vs QYLD

CYA vs QYLD: Dividend Comparison 2026

CYA yields 44.96% · QYLD yields 11.92%● Live data

vsPost on X →

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

🏆 CYA wins by $277.4K in total portfolio value

INVESTMENT

TIME HORIZON10 years

CYA

● Live price

44.96%

Share price

$0.51

Annual div

$0.23

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$302.8K

Annual income

$56,327.07

Full CYA calculator →

QYLD

Global X Nasdaq 100 Covered Call ETF

● Live price

11.92%

Share price

$17.15

Annual div

$2.04

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$25.4K

Annual income

$5,659.31

Full QYLD calculator →

Portfolio growth — CYA vs QYLD

📍 CYA 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	CYA	QYLD
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, CYA + QYLD cover 0 of 12 months — good coverage

Jan

—

Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

CYA pays

QYLD pays

Both pay

Neither

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Tax Bracket Optimizer

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

CYA

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

$3,821.91/yr

After 10yr DRIP, annual income (after tax)

$47,878.01/yr

QYLD

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

$1,013.51/yr

After 10yr DRIP, annual income (after tax)

$4,810.41/yr

At 15% tax rate, CYA beats the other by $43,067.60/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 CYA + QYLD for your $10,000?

CYA: 50%QYLD: 50%

100% QYLD50/50100% CYA

Portfolio after 10yr

$164.1K

Annual income

$30,993.19/yr

Blended yield

18.89%

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

CYA buys

QYLD buys

No recent congressional trades found for CYA or QYLD in the last 90 days.

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

MetricCYAQYLD

Forward yield	44.96% ✓	11.92%
Annual dividend / share	$0.23	$2.04 ✓
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	0%	0%
Portfolio after 10y	$302.8K ✓	$25.4K
Annual income after 10y	$56,327.07 ✓	$5,659.31
Total dividends collected	$235.3K ✓	$27.1K
Payment frequency	quarterly	monthly
Sector	Stock	ETF

Year-by-year: CYA vs QYLD ($10,000, DRIP)

Year	CYA Portfolio	CYA Income/yr	QYLD Portfolio	QYLD Income/yr	Gap
1← crossover	$15,196	$4,496.37	$10,352	$1,192.36	+$4.8K → CYA
2	$22,646	$6,385.84	$10,830	$1,347.57	+$11.8K → CYA
3	$33,125	$8,893.75	$11,460	$1,539.07	+$21.7K → CYA
4	$47,602	$12,158.09	$12,275	$1,777.84	+$35.3K → CYA
5	$67,262	$16,328.62	$13,323	$2,078.95	+$53.9K → CYA
6	$93,534	$21,563.33	$14,667	$2,463.34	+$78.9K → CYA
7	$128,106	$28,023.96	$16,396	$2,960.57	+$111.7K → CYA
8	$172,944	$35,870.99	$18,631	$3,612.97	+$154.3K → CYA
9	$230,308	$45,258.16	$21,548	$4,482.15	+$208.8K → CYA
10	$302,757	$56,327.07	$25,398	$5,659.31	+$277.4K → CYA

CYA vs QYLD: Complete Analysis 2026

CYA — Stock

The fund is an actively managed, fund of funds ETF that seeks to achieve its investment objective by investing in fixed income and income generating ETFs. The fund will invest between 50-90% of its assets in income generating ETFs including affiliated funds managed by the adviser. The fund may invest up to 20% of its portfolio in derivatives to hedge all or some of the downside risks associated with investing in equity securities commonly known as “tail risk”.

Full CYA Calculator →

QYLD — ETF

The Global X Nasdaq 100 Covered Call ETF (QYLD) seeks to provide investment results that correspond generally to the price and yield performance, before fees and expenses, of the Cboe Nasdaq-100 BuyWrite V2 Index.

Full QYLD 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.