Is FDCPX or RYLD a better dividend investment in 2026?

FDCPX currently yields 7.27% with a 5% 5-year dividend growth rate. RYLD yields 4.00% with 5% growth. The better choice depends on your goal: FDCPX offers higher current income.

What is the dividend yield difference between FDCPX and RYLD?

FDCPX has a forward dividend yield of 7.27% ($11.17/share annually). RYLD yields 4.00% ($2.00/share annually). The yield gap is 3.27 percentage points.

Home › Compare › FDCPX vs RYLD

FDCPX vs RYLD: Dividend Comparison 2026

FDCPX yields 7.27% · RYLD yields 4.00%● Live data

vsPost on X →

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

🏆 FDCPX wins by $4.3K in total portfolio value

INVESTMENT

TIME HORIZON10 years

FDCPX

● Live price

7.27%

Share price

$153.64

Annual div

$11.17

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$32.4K

Annual income

$1,153.00

Full FDCPX 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 — FDCPX vs RYLD

📍 FDCPX 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	FDCPX	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, FDCPX + 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

—

Jun

—

Jul

—

Aug

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Sep

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Oct

—

Nov

—

Dec

—

FDCPX 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.

FDCPX

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

$617.92/yr

After 10yr DRIP, annual income (after tax)

$980.05/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, FDCPX beats the other by $215.74/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 FDCPX + RYLD for your $10,000?

FDCPX: 50%RYLD: 50%

100% RYLD50/50100% FDCPX

Portfolio after 10yr

$30.2K

Annual income

$1,026.10/yr

Blended yield

3.40%

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

FDCPX buys

RYLD buys

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

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

MetricFDCPXRYLD

Forward yield	7.27% ✓	4.00%
Annual dividend / share	$11.17 ✓	$2.00
Payout ratio	50%	50%
1-year div growth	0%	5% ✓
5-year div CAGR	0%	5% ✓
Portfolio after 10y	$32.4K ✓	$28.0K
Annual income after 10y	$1,153.00 ✓	$899.19
Total dividends collected	$9.4K ✓	$6.4K
Payment frequency	quarterly	quarterly
Sector	Stock	ETF

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

Year	FDCPX Portfolio	FDCPX Income/yr	RYLD Portfolio	RYLD Income/yr	Gap
1← crossover	$11,427	$726.96	$11,120	$420.00	+$307.00 → FDCPX
2	$13,003	$776.35	$12,357	$458.31	+$646.00 → FDCPX
3	$14,739	$825.64	$13,721	$499.76	+$1.0K → FDCPX
4	$16,645	$874.64	$15,227	$544.58	+$1.4K → FDCPX
5	$18,734	$923.15	$16,885	$593.02	+$1.8K → FDCPX
6	$21,016	$970.99	$18,713	$645.34	+$2.3K → FDCPX
7	$23,505	$1,018.03	$20,724	$701.81	+$2.8K → FDCPX
8	$26,215	$1,064.12	$22,938	$762.73	+$3.3K → FDCPX
9	$29,159	$1,109.14	$25,372	$828.41	+$3.8K → FDCPX
10	$32,353	$1,153.00	$28,047	$899.19	+$4.3K → FDCPX

FDCPX vs RYLD: Complete Analysis 2026

FDCPX — Stock

The fund normally invests in common stocks. It invests at least 80% of assets in securities of companies principally engaged in development, manufacture, or distribution of tech hardware. The fund invests in domestic and foreign issuers. It uses fundamental analysis of factors such as each issuer's financial condition and industry position, as well as market and economic conditions, to select investments. The fund is non-diversified.

Full FDCPX 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.