Is FIOFX or QYLD a better dividend investment in 2026?

FIOFX currently yields 2.12% 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 FIOFX and QYLD?

FIOFX has a forward dividend yield of 2.12% ($0.63/share annually). QYLD yields 11.92% ($2.04/share annually). The yield gap is 9.80 percentage points.

Home › Compare › FIOFX vs QYLD

FIOFX vs QYLD: Dividend Comparison 2026

FIOFX yields 2.12% · QYLD yields 11.92%● Live data

vsPost on X →

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

🏆 QYLD wins by $2.6K in total portfolio value· pulled ahead in Year 9

INVESTMENT

TIME HORIZON10 years

FIOFX

● Live price

2.12%

Share price

$29.59

Annual div

$0.63

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$22.8K

Annual income

$242.56

Full FIOFX 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 — FIOFX vs QYLD

📍 QYLD pulled ahead of the other in Year 9

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 Period	FIOFX	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%.

📅

Dividend Calendar Overlap

Combined, FIOFX + QYLD cover 0 of 12 months — good coverage

Jan

—

Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

FIOFX pays

QYLD pays

Both pay

Neither

💰

Tax Bracket Optimizer

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

FIOFX

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

$179.82/yr

After 10yr DRIP, annual income (after tax)

$206.18/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 $4,604.24/year in after-tax income after 10 years on $10,000

⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of FIOFX + QYLD for your $10,000?

FIOFX: 50%QYLD: 50%

100% QYLD50/50100% FIOFX

Portfolio after 10yr

$24.1K

Annual income

$2,950.94/yr

Blended yield

12.25%

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

FIOFX 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 →

MetricFIOFXQYLD

Forward yield	2.12%	11.92% ✓
Annual dividend / share	$0.63	$2.04 ✓
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	0%	0%
Portfolio after 10y	$22.8K	$25.4K ✓
Annual income after 10y	$242.56	$5,659.31 ✓
Total dividends collected	$2.3K	$27.1K ✓
Payment frequency	quarterly	monthly
Sector	Stock	ETF

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

Year	FIOFX Portfolio	FIOFX Income/yr	QYLD Portfolio	QYLD Income/yr	Gap
1	$10,912	$211.56	$10,352	$1,192.36	+$560.00 → FIOFX
2	$11,891	$215.74	$10,830	$1,347.57	+$1.1K → FIOFX
3	$12,943	$219.73	$11,460	$1,539.07	+$1.5K → FIOFX
4	$14,073	$223.52	$12,275	$1,777.84	+$1.8K → FIOFX
5	$15,285	$227.13	$13,323	$2,078.95	+$2.0K → FIOFX
6	$16,585	$230.56	$14,667	$2,463.34	+$1.9K → FIOFX
7	$17,980	$233.81	$16,396	$2,960.57	+$1.6K → FIOFX
8	$19,476	$236.89	$18,631	$3,612.97	+$845.00 → FIOFX
9← crossover	$21,079	$239.80	$21,548	$4,482.15	$469.00 → QYLD
10	$22,797	$242.56	$25,398	$5,659.31	$2.6K → QYLD

FIOFX vs QYLD: Complete Analysis 2026

FIOFX — Stock

The investment seeks high total return until its target retirement date; thereafter the fund's objective will be to seek high current income and, as a secondary objective, capital appreciation. The fund invests in a combination of Fidelity® U.S. equity funds, international equity funds, bond funds, and short-term funds (underlying Fidelity ® funds), each of which (excluding any money market fund) seeks to provide investment results that correspond to the total return of a specific index.

Full FIOFX 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 →

📬

Get this FIOFX vs QYLD comparison by email

Save your analysis + weekly dividend insights. Free forever.

More comparisons

FIOFX vs SCHD FIOFX vs JEPI FIOFX vs O FIOFX vs KO FIOFX vs MAIN FIOFX vs XYLD FIOFX vs JEPQ FIOFX vs RYLD

⚠️ Educational purposes only. Not financial advice. Congressional trades sourced from SEC STOCK Act filings via FMP. Past performance does not guarantee future results.