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FLAT vs QYLD: Dividend Comparison 2026

FLAT yields 2.70% · QYLD yields 12.24%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 QYLD wins by $2.8K in total portfolio value· pulled ahead in Year 9
10 years
FLAT
FLAT
● Live price
2.70%
Share price
$73.94
Annual div
$2.00
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$23.7K
Annual income
$322.05
Full FLAT calculator →
QYLD
Global X Nasdaq 100 Covered Call ETF
● Live price
12.24%
Share price
$16.70
Annual div
$2.04
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$26.5K
Annual income
$6,038.84
Full QYLD calculator →

Portfolio growth — FLAT vs QYLD

📍 QYLD pulled ahead of the other in Year 9

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 PeriodFLATQYLD
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, FLAT + QYLD cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
FLAT pays
QYLD pays
Both pay
Neither
💰

Tax Bracket Optimizer

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

FLAT
Annual income on $10K today (after 15% tax)
$229.92/yr
After 10yr DRIP, annual income (after tax)
$273.74/yr
QYLD
Annual income on $10K today (after 15% tax)
$1,040.82/yr
After 10yr DRIP, annual income (after tax)
$5,133.01/yr
At 15% tax rate, QYLD beats the other by $4,859.27/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

FLAT: 50%QYLD: 50%
100% QYLD50/50100% FLAT
Portfolio after 10yr
$25.1K
Annual income
$3,180.45/yr
Blended yield
12.65%
🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

FLAT buys
0
QYLD buys
0
No recent congressional trades found for FLAT or QYLD in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricFLATQYLD
Forward yield2.70%12.24%
Annual dividend / share$2.00$2.04
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR0%0%
Portfolio after 10y$23.7K$26.5K
Annual income after 10y$322.05$6,038.84
Total dividends collected$3.0K$28.5K
Payment frequencyquarterlymonthly
SectorStockETF

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

YearFLAT PortfolioFLAT Income/yrQYLD PortfolioQYLD Income/yrGap
1$10,970$270.49$10,384$1,224.49+$586.00FLAT
2$12,016$277.33$10,900$1,388.18+$1.1KFLAT
3$13,141$283.88$11,576$1,590.76+$1.6KFLAT
4$14,351$290.15$12,447$1,844.20+$1.9KFLAT
5$15,651$296.13$13,567$2,164.97+$2.1KFLAT
6$17,049$301.85$15,003$2,576.05+$2.0KFLAT
7$18,550$307.29$16,853$3,110.04+$1.7KFLAT
8$20,161$312.46$19,251$3,813.85+$910.00FLAT
9← crossover$21,889$317.38$22,390$4,756.08$501.00QYLD
10$23,743$322.05$26,548$6,038.84$2.8KQYLD

FLAT vs QYLD: Complete Analysis 2026

FLATStock

The investment seeks to provide investors with inverse exposure to the Barclays US Treasury 2Y/10Y Yield Curve Index™. The Barclays US Treasury 2Y/10Y Yield Curve Index™ (the "index") employs a strategy that seeks to capture returns that are potentially available from a "steepening" or "flattening", as applicable, of the U.S. Treasury yield curve through a notional rolling investment in U.S. Treasury note futures contracts. The level of the index is designed to increase in response to a "steepening" of the yield curve and to decrease in response to a "flattening" of the yield curve.

Full FLAT Calculator →

QYLDETF

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 →
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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.