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FLAT vs XYLD: Dividend Comparison 2026

FLAT yields 2.70% · XYLD yields 11.20%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 XYLD wins by $2.1K in total portfolio value· pulled ahead in Year 7
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 →
XYLD
Global X S&P 500 Covered Call ETF
● Live price
11.20%
Share price
$38.36
Annual div
$4.30
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$25.9K
Annual income
$3,351.03
Full XYLD calculator →

Portfolio growth — FLAT vs XYLD

📍 XYLD pulled ahead of the other in Year 7

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 PeriodFLATXYLD
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 + XYLD cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
FLAT pays
XYLD 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
XYLD
Annual income on $10K today (after 15% tax)
$952.37/yr
After 10yr DRIP, annual income (after tax)
$2,848.38/yr
At 15% tax rate, XYLD beats the other by $2,574.63/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

FLAT: 50%XYLD: 50%
100% XYLD50/50100% FLAT
Portfolio after 10yr
$24.8K
Annual income
$1,836.54/yr
Blended yield
7.40%
🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

FLAT buys
0
XYLD buys
0
No recent congressional trades found for FLAT or XYLD in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricFLATXYLD
Forward yield2.70%11.20%
Annual dividend / share$2.00$4.30
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR0%0%
Portfolio after 10y$23.7K$25.9K
Annual income after 10y$322.05$3,351.03
Total dividends collected$3.0K$20.2K
Payment frequencyquarterlymonthly
SectorStockETF

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

YearFLAT PortfolioFLAT Income/yrXYLD PortfolioXYLD Income/yrGap
1$10,970$270.49$10,840$1,120.44+$130.00FLAT
2$12,016$277.33$11,786$1,249.59+$230.00FLAT
3$13,141$283.88$12,854$1,397.78+$287.00FLAT
4$14,351$290.15$14,063$1,568.33+$288.00FLAT
5$15,651$296.13$15,434$1,765.19+$217.00FLAT
6$17,049$301.85$16,995$1,993.14+$54.00FLAT
7← crossover$18,550$307.29$18,777$2,257.95$227.00XYLD
8$20,161$312.46$20,818$2,566.58$657.00XYLD
9$21,889$317.38$23,163$2,927.50$1.3KXYLD
10$23,743$322.05$25,865$3,351.03$2.1KXYLD

FLAT vs XYLD: 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 →

XYLDETF

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.