Is FAAIX or RYLD a better dividend investment in 2026?

FAAIX currently yields 7.50% with a 5% 5-year dividend growth rate. RYLD yields 4.00% with 5% growth. The better choice depends on your goal: FAAIX offers higher current income.

What is the dividend yield difference between FAAIX and RYLD?

FAAIX has a forward dividend yield of 7.50% ($2.19/share annually). RYLD yields 4.00% ($2.00/share annually). The yield gap is 3.50 percentage points.

Home › Compare › FAAIX vs RYLD

FAAIX vs RYLD: Dividend Comparison 2026

FAAIX yields 7.50% · RYLD yields 4.00%● Live data

vsPost on X →

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

🏆 FAAIX wins by $4.8K in total portfolio value

INVESTMENT

TIME HORIZON10 years

FAAIX

● Live price

7.50%

Share price

$29.18

Annual div

$2.19

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$32.9K

Annual income

$1,206.18

Full FAAIX 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 — FAAIX vs RYLD

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

Jan

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Feb

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Mar

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Apr

—

May

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Jun

—

Jul

—

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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FAAIX 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.

FAAIX

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

$637.35/yr

After 10yr DRIP, annual income (after tax)

$1,025.25/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, FAAIX beats the other by $260.94/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 FAAIX + RYLD for your $10,000?

FAAIX: 50%RYLD: 50%

100% RYLD50/50100% FAAIX

Portfolio after 10yr

$30.4K

Annual income

$1,052.69/yr

Blended yield

3.46%

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

FAAIX buys

RYLD buys

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

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

MetricFAAIXRYLD

Forward yield	7.50% ✓	4.00%
Annual dividend / share	$2.19 ✓	$2.00
Payout ratio	50%	50%
1-year div growth	0%	5% ✓
5-year div CAGR	0%	5% ✓
Portfolio after 10y	$32.9K ✓	$28.0K
Annual income after 10y	$1,206.18 ✓	$899.19
Total dividends collected	$9.8K ✓	$6.4K
Payment frequency	quarterly	quarterly
Sector	Stock	ETF

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

Year	FAAIX Portfolio	FAAIX Income/yr	RYLD Portfolio	RYLD Income/yr	Gap
1← crossover	$11,450	$749.83	$11,120	$420.00	+$330.00 → FAAIX
2	$13,054	$802.37	$12,357	$458.31	+$697.00 → FAAIX
3	$14,822	$854.92	$13,721	$499.76	+$1.1K → FAAIX
4	$16,767	$907.25	$15,227	$544.58	+$1.5K → FAAIX
5	$18,900	$959.15	$16,885	$593.02	+$2.0K → FAAIX
6	$21,233	$1,010.43	$18,713	$645.34	+$2.5K → FAAIX
7	$23,781	$1,060.91	$20,724	$701.81	+$3.1K → FAAIX
8	$26,556	$1,110.46	$22,938	$762.73	+$3.6K → FAAIX
9	$29,574	$1,158.92	$25,372	$828.41	+$4.2K → FAAIX
10	$32,850	$1,206.18	$28,047	$899.19	+$4.8K → FAAIX

FAAIX vs RYLD: Complete Analysis 2026

FAAIX — Stock

The investment seeks to maximize total return over the long term. The fund allocates its assets among three main asset classes: the stock class (equity securities of all types, including funds that invest in such securities), the bond class (fixed-income securities of all types maturing in more than one year, including lower-quality debt securities which are sometimes referred to as high yield debt securities or junk bonds, and funds that invest in such securities), and the short-term/money market class (fixed-income securities of all types maturing in one year or less, including funds that invest in such securities).

Full FAAIX 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.