Is FCIVX or XYLD a better dividend investment in 2026?

FCIVX currently yields 30.99% with a 5% 5-year dividend growth rate. XYLD yields 10.98% with 0.5% growth. The better choice depends on your goal: FCIVX offers higher current income.

What is the dividend yield difference between FCIVX and XYLD?

FCIVX has a forward dividend yield of 30.99% ($4.33/share annually). XYLD yields 10.98% ($4.30/share annually). The yield gap is 20.01 percentage points.

Home › Compare › FCIVX vs XYLD

FCIVX vs XYLD: Dividend Comparison 2026

FCIVX yields 30.99% · XYLD yields 10.98%● Live data

vsPost on X →

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

🏆 FCIVX wins by $114.9K in total portfolio value

INVESTMENT

TIME HORIZON10 years

FCIVX

● Live price

30.99%

Share price

$13.98

Annual div

$4.33

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$140.2K

Annual income

$19,076.36

Full FCIVX 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 — FCIVX vs XYLD

📍 FCIVX 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	FCIVX	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, FCIVX + XYLD cover 0 of 12 months — good coverage

Jan

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Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

FCIVX 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.

FCIVX

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

$2,634.46/yr

After 10yr DRIP, annual income (after tax)

$16,214.91/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, FCIVX beats the other by $13,478.74/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 FCIVX + XYLD for your $10,000?

FCIVX: 50%XYLD: 50%

100% XYLD50/50100% FCIVX

Portfolio after 10yr

$82.7K

Annual income

$11,147.69/yr

Blended yield

13.48%

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

FCIVX buys

XYLD buys

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

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

MetricFCIVXXYLD

Forward yield	30.99% ✓	10.98%
Annual dividend / share	$4.33 ✓	$4.30
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	0%	0%
Portfolio after 10y	$140.2K ✓	$25.3K
Annual income after 10y	$19,076.36 ✓	$3,219.02
Total dividends collected	$96.8K ✓	$19.6K
Payment frequency	quarterly	monthly
Sector	Stock	ETF

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

Year	FCIVX Portfolio	FCIVX Income/yr	XYLD Portfolio	XYLD Income/yr	Gap
1← crossover	$13,799	$3,099.36	$10,818	$1,098.39	+$3.0K → FCIVX
2	$18,762	$3,997.13	$11,738	$1,222.51	+$7.0K → FCIVX
3	$25,155	$5,079.19	$12,774	$1,364.64	+$12.4K → FCIVX
4	$33,280	$6,364.23	$13,944	$1,527.86	+$19.3K → FCIVX
5	$43,479	$7,869.04	$15,270	$1,715.87	+$28.2K → FCIVX
6	$56,130	$9,607.94	$16,775	$1,933.09	+$39.4K → FCIVX
7	$71,652	$11,592.21	$18,490	$2,184.87	+$53.2K → FCIVX
8	$90,497	$13,829.66	$20,450	$2,477.63	+$70.0K → FCIVX
9	$113,156	$16,324.33	$22,697	$2,819.19	+$90.5K → FCIVX
10	$140,153	$19,076.36	$25,280	$3,219.02	+$114.9K → FCIVX

FCIVX vs XYLD: Complete Analysis 2026

FCIVX — Stock

The fund invests at least 80% of its net assets in equity securities of infrastructure companies. It will concentrate in the infrastructure sector and utilities industry. The fund invests in a diversified portfolio of securities of infrastructure companies that subadviser has determined have an appropriate capital structure, are likely to generate reliable income streams and are likely to benefit from inflation protection. It is anticipated that the fund's portfolio will generally consist of 80 to 100 companies.

Full FCIVX 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.