Is FIMSX or XYLD a better dividend investment in 2026?

FIMSX currently yields 100.66% with a 5% 5-year dividend growth rate. XYLD yields 10.98% with 0.5% growth. The better choice depends on your goal: FIMSX offers higher current income.

What is the dividend yield difference between FIMSX and XYLD?

FIMSX has a forward dividend yield of 100.66% ($10.12/share annually). XYLD yields 10.98% ($4.30/share annually). The yield gap is 89.68 percentage points.

Home › Compare › FIMSX vs XYLD

FIMSX vs XYLD: Dividend Comparison 2026

FIMSX yields 100.66% · XYLD yields 10.98%● Live data

vsPost on X →

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

🏆 FIMSX wins by $3.98M in total portfolio value

INVESTMENT

TIME HORIZON10 years

FIMSX

● Live price

100.66%

Share price

$10.05

Annual div

$10.12

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$4.00M

Annual income

$1,354,684.18

Full FIMSX 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 — FIMSX vs XYLD

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

Jan

—

Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

FIMSX 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.

FIMSX

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

$8,556.08/yr

After 10yr DRIP, annual income (after tax)

$1,151,481.55/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, FIMSX beats the other by $1,148,745.39/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 FIMSX + XYLD for your $10,000?

FIMSX: 50%XYLD: 50%

100% XYLD50/50100% FIMSX

Portfolio after 10yr

$2.01M

Annual income

$678,951.60/yr

Blended yield

33.72%

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

FIMSX buys

XYLD buys

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

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

MetricFIMSXXYLD

Forward yield	100.66% ✓	10.98%
Annual dividend / share	$10.12 ✓	$4.30
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	0%	0%
Portfolio after 10y	$4.00M	$25.3K ✓
Annual income after 10y	$1,354,684.18 ✓	$3,219.02
Total dividends collected	$3.58M	$19.6K ✓
Payment frequency	quarterly	monthly
Sector	Stock	ETF

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

Year	FIMSX Portfolio	FIMSX Income/yr	XYLD Portfolio	XYLD Income/yr	Gap
1← crossover	$20,766	$10,065.98	$10,818	$1,098.39	+$9.9K → FIMSX
2	$41,755	$19,535.51	$11,738	$1,222.51	+$30.0K → FIMSX
3	$81,389	$36,711.16	$12,774	$1,364.64	+$68.6K → FIMSX
4	$153,962	$66,876.13	$13,944	$1,527.86	+$140.0K → FIMSX
5	$282,972	$118,232.23	$15,270	$1,715.87	+$267.7K → FIMSX
6	$505,867	$203,086.38	$16,775	$1,933.09	+$489.1K → FIMSX
7	$880,581	$339,304.28	$18,490	$2,184.87	+$862.1K → FIMSX
8	$1,494,222	$552,000.11	$20,450	$2,477.63	+$1.47M → FIMSX
9	$2,474,207	$875,388.93	$22,697	$2,819.19	+$2.45M → FIMSX
10	$4,002,085	$1,354,684.18	$25,280	$3,219.02	+$3.98M → FIMSX

FIMSX vs XYLD: Complete Analysis 2026

FIMSX — Stock

The fund normally invests at least 80% of assets in investment-grade municipal securities whose interest is exempt from federal income tax (but may be subject to the federal alternative minimum tax).

Full FIMSX 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.