Is FCSTX or QYLD a better dividend investment in 2026?

FCSTX currently yields 2.23% with a 5% 5-year dividend growth rate. QYLD yields 11.92% with -2.1% growth. The better choice depends on your goal: QYLD offers higher current income.

What is the dividend yield difference between FCSTX and QYLD?

FCSTX has a forward dividend yield of 2.23% ($0.23/share annually). QYLD yields 11.92% ($2.04/share annually). The yield gap is 9.69 percentage points.

Home › Compare › FCSTX vs QYLD

FCSTX vs QYLD: Dividend Comparison 2026

FCSTX yields 2.23% · QYLD yields 11.92%● Live data

vsPost on X →

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

🏆 QYLD wins by $2.4K in total portfolio value· pulled ahead in Year 9

INVESTMENT

TIME HORIZON10 years

FCSTX

● Live price

2.23%

Share price

$10.46

Annual div

$0.23

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$23.0K

Annual income

$257.63

Full FCSTX 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 — FCSTX vs QYLD

📍 QYLD pulled ahead of the other in Year 9

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	FCSTX	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, FCSTX + QYLD cover 0 of 12 months — good coverage

Jan

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Feb

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Mar

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Apr

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May

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Jun

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Jul

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Aug

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Sep

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Oct

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Nov

—

Dec

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FCSTX pays

QYLD pays

Both pay

Neither

💰

Tax Bracket Optimizer

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

FCSTX

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

$189.59/yr

After 10yr DRIP, annual income (after tax)

$218.99/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, QYLD beats the other by $4,591.43/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 FCSTX + QYLD for your $10,000?

FCSTX: 50%QYLD: 50%

100% QYLD50/50100% FCSTX

Portfolio after 10yr

$24.2K

Annual income

$2,958.47/yr

Blended yield

12.23%

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

FCSTX buys

QYLD buys

Politician	Chamber	Ticker	Type	Amount	Date
Tim Moore	🏢 House	$QYLD	▼ Sell	$15,001 - $50,000	2025-05-02
Tim Moore	🏢 House	$QYLD	▲ Buy	$15,001 - $50,000	2025-04-07
Dwight Evans	🏢 House	$QYLD	▼ Sell	$1,001 - $15,000	2022-11-14
Dwight Evans	🏢 House	$QYLD	▼ Sell	$1,001 - $15,000	2020-10-29

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

MetricFCSTXQYLD

Forward yield	2.23%	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	$23.0K	$25.4K ✓
Annual income after 10y	$257.63	$5,659.31 ✓
Total dividends collected	$2.4K	$27.1K ✓
Payment frequency	quarterly	monthly
Sector	Stock	ETF

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

Year	FCSTX Portfolio	FCSTX Income/yr	QYLD Portfolio	QYLD Income/yr	Gap
1	$10,923	$223.05	$10,352	$1,192.36	+$571.00 → FCSTX
2	$11,915	$227.70	$10,830	$1,347.57	+$1.1K → FCSTX
3	$12,982	$232.14	$11,460	$1,539.07	+$1.5K → FCSTX
4	$14,127	$236.36	$12,275	$1,777.84	+$1.9K → FCSTX
5	$15,356	$240.38	$13,323	$2,078.95	+$2.0K → FCSTX
6	$16,675	$244.21	$14,667	$2,463.34	+$2.0K → FCSTX
7	$18,090	$247.84	$16,396	$2,960.57	+$1.7K → FCSTX
8	$19,608	$251.28	$18,631	$3,612.97	+$977.00 → FCSTX
9← crossover	$21,235	$254.54	$21,548	$4,482.15	$313.00 → QYLD
10	$22,979	$257.63	$25,398	$5,659.31	$2.4K → QYLD

FCSTX vs QYLD: Complete Analysis 2026

FCSTX — Stock

The fund normally invests at least 80% of assets in investment-grade municipal debt securities whose interest is exempt from federal and California personal income taxes. Potentially it invests more than 25% of total assets in municipal securities that finance similar types of projects. The fund normally maintains a dollar-weighted average maturity between two and five years. It is non-diversified.

Full FCSTX 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.