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FGFI vs RYLD: Dividend Comparison 2026

FGFI yields 9.76% · RYLD yields 4.00%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 RYLD wins by $6.6K in total portfolio value· pulled ahead in Year 2
10 years
FGFI
FGFI
● Live price
9.76%
Share price
$20.50
Annual div
$2.00
5Y div CAGR
-50%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$21.4K
Annual income
$1.04
Full FGFI calculator →
RYLD
RYLD
● Live price
4.00%
Share price
$50.00
Annual div
$2.00
5Y div CAGR
5%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$28.0K
Annual income
$899.19
Full RYLD calculator →

Portfolio growth — FGFI vs RYLD

📍 RYLD pulled ahead of the other in Year 2

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 PeriodFGFIRYLD
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%.
📅

Dividend Calendar Overlap

Combined, FGFI + RYLD cover 0 of 12 months — good coverage

Jan
—
Feb
—
Mar
—
Apr
—
May
—
Jun
—
Jul
—
Aug
—
Sep
—
Oct
—
Nov
—
Dec
—
FGFI pays
RYLD pays
Both pay
Neither
💰

Tax Bracket Optimizer

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

FGFI
Annual income on $10K today (after 15% tax)
$829.27/yr
After 10yr DRIP, annual income (after tax)
$0.88/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, RYLD beats the other by $763.43/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of FGFI + RYLD for your $10,000?

FGFI: 50%RYLD: 50%
100% RYLD50/50100% FGFI
Portfolio after 10yr
$24.7K
Annual income
$450.12/yr
Blended yield
1.82%
🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

FGFI buys
0
RYLD buys
0
No recent congressional trades found for FGFI or RYLD in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricFGFIRYLD
Forward yield9.76% ✓4.00%
Annual dividend / share$2.00$2.00
Payout ratio50%50%
1-year div growth0%5% ✓
5-year div CAGR-50%5% ✓
Portfolio after 10y$21.4K$28.0K ✓
Annual income after 10y$1.04$899.19 ✓
Total dividends collected$1.0K$6.4K ✓
Payment frequencyquarterlyquarterly
SectorStockETF

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

YearFGFI PortfolioFGFI Income/yrRYLD PortfolioRYLD Income/yrGap
1$11,188$487.80$11,120$420.00+$68.00 → FGFI
2← crossover$12,226$255.02$12,357$458.31$131.00 → RYLD
3$13,212$130.23$13,721$499.76$509.00 → RYLD
4$14,203$65.76$15,227$544.58$1.0K → RYLD
5$15,230$33.03$16,885$593.02$1.7K → RYLD
6$16,312$16.55$18,713$645.34$2.4K → RYLD
7$17,463$8.28$20,724$701.81$3.3K → RYLD
8$18,689$4.14$22,938$762.73$4.2K → RYLD
9$19,999$2.07$25,372$828.41$5.4K → RYLD
10$21,400$1.04$28,047$899.19$6.6K → RYLD

FGFI vs RYLD: Complete Analysis 2026

FGFI — Stock

First Greenwich Financial, Inc. operates as the bank holding company for The First Bank of Greenwich that provides various banking products and services to individuals and small-to-medium sized businesses. The company was founded in 2006 and is based in Cos Cob, Connecticut.

Full FGFI 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.