Is FCFAX or XYLD a better dividend investment in 2026?

FCFAX currently yields 5.60% with a 5% 5-year dividend growth rate. XYLD yields 10.98% with 0.5% growth. The better choice depends on your goal: XYLD offers higher current income.

What is the dividend yield difference between FCFAX and XYLD?

FCFAX has a forward dividend yield of 5.60% ($0.51/share annually). XYLD yields 10.98% ($4.30/share annually). The yield gap is 5.38 percentage points.

Home › Compare › FCFAX vs XYLD

FCFAX vs XYLD: Dividend Comparison 2026

FCFAX yields 5.60% · XYLD yields 10.98%● Live data

vsPost on X →

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

🏆 FCFAX wins by $66.0K 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 →

XYLD

Global X S&P 500 Covered Call ETF

● Live price

10.98%

Share price

$39.13

Annual div

$4.30

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$25.3K

Annual income

$3,219.02

Full XYLD calculator →

Portfolio growth — FCFAX vs XYLD

📍 FCFAX pulled ahead of the other in Year 1

Annual dividend income

🛡️

Recession Test — Did They Cut Dividends?

How each stock treated shareholders during the 3 biggest crises of the last 20 years

Crisis Period	FCFAX	XYLD
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 + XYLD 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

XYLD 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

XYLD

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

$933.63/yr

After 10yr DRIP, annual income (after tax)

$2,736.17/yr

At 15% tax rate, FCFAX beats the other by $16,549.81/year in after-tax income after 10 years on $10,000

⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of FCFAX + XYLD for your $10,000?

FCFAX: 50%XYLD: 50%

100% XYLD50/50100% FCFAX

Portfolio after 10yr

$58.3K

Annual income

$12,954.20/yr

Blended yield

22.23%

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

FCFAX buys

XYLD buys

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

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

MetricFCFAXXYLD

Forward yield	5.60%	10.98% ✓
Annual dividend / share	$0.51	$4.30 ✓
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	27.8% ✓	0%
Portfolio after 10y	$91.3K ✓	$25.3K
Annual income after 10y	$22,689.38 ✓	$3,219.02
Total dividends collected	$62.7K ✓	$19.6K
Payment frequency	quarterly	monthly
Sector	Stock	ETF

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

Year	FCFAX Portfolio	FCFAX Income/yr	XYLD Portfolio	XYLD Income/yr	Gap
1← crossover	$11,415	$715.43	$10,818	$1,098.39	+$597.00 → FCFAX
2	$13,190	$975.45	$11,738	$1,222.51	+$1.5K → FCFAX
3	$15,459	$1,346.18	$12,774	$1,364.64	+$2.7K → FCFAX
4	$18,426	$1,884.52	$13,944	$1,527.86	+$4.5K → FCFAX
5	$22,399	$2,682.81	$15,270	$1,715.87	+$7.1K → FCFAX
6	$27,862	$3,895.17	$16,775	$1,933.09	+$11.1K → FCFAX
7	$35,599	$5,787.08	$18,490	$2,184.87	+$17.1K → FCFAX
8	$46,923	$8,831.55	$20,450	$2,477.63	+$26.5K → FCFAX
9	$64,111	$13,903.59	$22,697	$2,819.19	+$41.4K → FCFAX
10	$91,288	$22,689.38	$25,280	$3,219.02	+$66.0K → FCFAX

FCFAX vs XYLD: 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 →

XYLD — ETF

The Global X S&P 500 Covered Call ETF (XYLD) seeks to provide investment results that correspond generally to the price and yield performance, before fees and expenses, of the Cboe S&P 500 BuyWrite Index.

Full XYLD 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.