Is FIAT or RYLD a better dividend investment in 2026?

FIAT currently yields 137.31% with a 5% 5-year dividend growth rate. RYLD yields 12.14% with 5% growth. The better choice depends on your goal: FIAT offers higher current income.

What is the dividend yield difference between FIAT and RYLD?

FIAT has a forward dividend yield of 137.31% ($36.11/share annually). RYLD yields 12.14% ($1.81/share annually). The yield gap is 125.17 percentage points.

Home › Compare › FIAT vs RYLD

FIAT vs RYLD: Dividend Comparison 2026

FIAT yields 137.31% · RYLD yields 12.14%● Live data

vsPost on X →

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

🏆 FIAT wins by $16.05M in total portfolio value

INVESTMENT

TIME HORIZON10 years

FIAT

● Live price

137.31%

Share price

$26.30

Annual div

$36.11

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$16.09M

Annual income

$6,615,295.81

Full FIAT calculator →

RYLD

● Live price

12.14%

Share price

$14.95

Annual div

$1.81

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$44.5K

Annual income

$2,587.35

Full RYLD calculator →

Portfolio growth — FIAT vs RYLD

📍 FIAT 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	FIAT	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, FIAT + RYLD cover 0 of 12 months — good coverage

Jan

—

Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

FIAT 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.

FIAT

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

$11,671.14/yr

After 10yr DRIP, annual income (after tax)

$5,623,001.44/yr

RYLD

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

$1,031.60/yr

After 10yr DRIP, annual income (after tax)

$2,199.25/yr

At 15% tax rate, FIAT beats the other by $5,620,802.19/year in after-tax income after 10 years on $10,000

⚖️

Lazy Portfolio Split Optimizer

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

FIAT: 50%RYLD: 50%

100% RYLD50/50100% FIAT

Portfolio after 10yr

$8.07M

Annual income

$3,308,941.57/yr

Blended yield

41.01%

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

FIAT buys

RYLD buys

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

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

MetricFIATRYLD

Forward yield	137.31% ✓	12.14%
Annual dividend / share	$36.11 ✓	$1.81
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	0%	0%
Portfolio after 10y	$16.09M	$44.5K ✓
Annual income after 10y	$6,615,295.81 ✓	$2,587.35
Total dividends collected	$14.79M	$18.8K ✓
Payment frequency	quarterly	quarterly
Sector	Stock	ETF

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

Year	FIAT Portfolio	FIAT Income/yr	RYLD Portfolio	RYLD Income/yr	Gap
1← crossover	$24,431	$13,730.75	$11,914	$1,213.65	+$12.5K → FIAT
2	$57,492	$31,350.70	$14,099	$1,351.30	+$43.4K → FIAT
3	$130,466	$68,949.51	$16,580	$1,494.55	+$113.9K → FIAT
4	$285,829	$146,230.75	$19,384	$1,642.61	+$266.4K → FIAT
5	$605,246	$299,409.26	$22,535	$1,794.70	+$582.7K → FIAT
6	$1,240,139	$592,525.99	$26,063	$1,950.00	+$1.21M → FIAT
7	$2,461,600	$1,134,650.46	$29,995	$2,107.69	+$2.43M → FIAT
8	$4,738,781	$2,104,869.77	$34,361	$2,266.99	+$4.70M → FIAT
9	$8,857,456	$3,786,959.95	$39,194	$2,427.12	+$8.82M → FIAT
10	$16,092,774	$6,615,295.81	$44,525	$2,587.35	+$16.05M → FIAT

FIAT vs RYLD: Complete Analysis 2026

FIAT — Stock

The YieldMax Short COIN Option Income Strategy ETF (FIAT) is an actively managed exchanged fund that seeks to generate weekly income through a synthetic covered put strategy on Coinbase Global Inc (COIN). The strategy is designed to capture option premiums while providing inverse (short) exposure to the share price movements of COIN, with risk management through purchased call options.

Full FIAT Calculator →

RYLD — ETF

The Global X Russell 2000 Covered Call ETF (RYLD) seeks to provide investment results that correspond generally to the price and yield performance, before fees and expenses, of the Cboe Russell 2000 BuyWrite Index.

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.