Is FCFAX or RYLD a better dividend investment in 2026?

FCFAX currently yields 5.60% with a 5% 5-year dividend growth rate. RYLD yields 4.00% with 5% growth. The better choice depends on your goal: FCFAX offers higher current income.

What is the dividend yield difference between FCFAX and RYLD?

FCFAX has a forward dividend yield of 5.60% ($0.51/share annually). RYLD yields 4.00% ($2.00/share annually). The yield gap is 1.60 percentage points.

Home › Compare › FCFAX vs RYLD

FCFAX vs RYLD: Dividend Comparison 2026

FCFAX yields 5.60% · RYLD yields 4.00%● Live data

vsPost on X →

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

🏆 FCFAX wins by $63.2K in total portfolio value

INVESTMENT

TIME HORIZON10 years

FCFAX

● Live price

5.60%

Share price

$9.18

Annual div

$0.51

5Y div CAGR

27.8%

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$91.3K

Annual income

$22,689.38

Full FCFAX 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 — FCFAX vs RYLD

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

Jan

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Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

FCFAX 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.

FCFAX

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

$475.83/yr

After 10yr DRIP, annual income (after tax)

$19,285.97/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, FCFAX beats the other by $18,521.66/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 FCFAX + RYLD for your $10,000?

FCFAX: 50%RYLD: 50%

100% RYLD50/50100% FCFAX

Portfolio after 10yr

$59.7K

Annual income

$11,794.29/yr

Blended yield

19.77%

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

FCFAX buys

RYLD buys

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

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

MetricFCFAXRYLD

Forward yield	5.60% ✓	4.00%
Annual dividend / share	$0.51	$2.00 ✓
Payout ratio	50%	50%
1-year div growth	0%	5% ✓
5-year div CAGR	27.8% ✓	5%
Portfolio after 10y	$91.3K ✓	$28.0K
Annual income after 10y	$22,689.38 ✓	$899.19
Total dividends collected	$62.7K ✓	$6.4K
Payment frequency	quarterly	quarterly
Sector	Stock	ETF

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

Year	FCFAX Portfolio	FCFAX Income/yr	RYLD Portfolio	RYLD Income/yr	Gap
1← crossover	$11,415	$715.43	$11,120	$420.00	+$295.00 → FCFAX
2	$13,190	$975.45	$12,357	$458.31	+$833.00 → FCFAX
3	$15,459	$1,346.18	$13,721	$499.76	+$1.7K → FCFAX
4	$18,426	$1,884.52	$15,227	$544.58	+$3.2K → FCFAX
5	$22,399	$2,682.81	$16,885	$593.02	+$5.5K → FCFAX
6	$27,862	$3,895.17	$18,713	$645.34	+$9.1K → FCFAX
7	$35,599	$5,787.08	$20,724	$701.81	+$14.9K → FCFAX
8	$46,923	$8,831.55	$22,938	$762.73	+$24.0K → FCFAX
9	$64,111	$13,903.59	$25,372	$828.41	+$38.7K → FCFAX
10	$91,288	$22,689.38	$28,047	$899.19	+$63.2K → FCFAX

FCFAX vs RYLD: Complete Analysis 2026

FCFAX — Stock

The fund normally invests at least 80% of its net assets, plus any borrowings for investment purposes, in fixed income securities of U.S. and foreign corporate issuers, which will include corporate bonds, collateralized loan obligations and mortgage-backed and other asset-backed securities, and structured notes with economic characteristics similar to fixed income securities. It will invest in callable bonds, as well as fixed income securities that pay a fixed or floating interest rate or interest that is payable in-kind or payable at maturity.

Full FCFAX 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.