Is FLCCX or XYLD a better dividend investment in 2026?

FLCCX currently yields 6.79% with a 5% 5-year dividend growth rate. XYLD yields 9.02% with 0.5% growth. The better choice depends on your goal: XYLD offers higher current income.

What is the dividend yield difference between FLCCX and XYLD?

FLCCX has a forward dividend yield of 6.79% ($3.06/share annually). XYLD yields 9.02% ($3.48/share annually). The yield gap is 2.23 percentage points.

Home › Compare › FLCCX vs XYLD

FLCCX vs XYLD: Dividend Comparison 2026

FLCCX yields 6.79% · XYLD yields 9.02%● Live data

vsPost on X →

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

🏆 FLCCX wins by $10.2K in total portfolio value

INVESTMENT

TIME HORIZON10 years

FLCCX

● Live price

6.79%

Share price

$45.07

Annual div

$3.06

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$31.3K

Annual income

$1,044.33

Full FLCCX calculator →

XYLD

Global X S&P 500 Covered Call ETF

● Live price

9.02%

Share price

$38.60

Annual div

$3.48

5Y div CAGR

0.5%

Payout ratio

90%

After 10 yrs · $10,000 · DRIP

Portfolio value

$21.1K

Annual income

$2,363.75

Full XYLD calculator →

Portfolio growth — FLCCX vs XYLD

📍 FLCCX pulled ahead of the other in Year 1

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	FLCCX	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%.

📅

Dividend Calendar Overlap

Combined, FLCCX + XYLD cover 0 of 12 months — good coverage

Jan

—

Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

FLCCX pays

XYLD pays

Both pay

Neither

💰

Tax Bracket Optimizer

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

FLCCX

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

$576.73/yr

After 10yr DRIP, annual income (after tax)

$887.68/yr

XYLD

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

$766.32/yr

After 10yr DRIP, annual income (after tax)

$2,009.19/yr

At 15% tax rate, XYLD beats the other by $1,121.51/year in after-tax income after 10 years on $10,000

⚖️

Lazy Portfolio Split Optimizer

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

FLCCX: 50%XYLD: 50%

100% XYLD50/50100% FLCCX

Portfolio after 10yr

$26.2K

Annual income

$1,704.05/yr

Blended yield

6.50%

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

FLCCX buys

XYLD buys

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

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

MetricFLCCXXYLD

Forward yield	6.79%	9.02% ✓
Annual dividend / share	$3.06	$3.48 ✓
Payout ratio	50% ✓	90%
1-year div growth	0% ✓	-2.1%
5-year div CAGR	0%	0.5% ✓
Portfolio after 10y	$31.3K ✓	$21.1K
Annual income after 10y	$1,044.33	$2,363.75 ✓
Total dividends collected	$8.7K	$15.0K ✓
Payment frequency	quarterly	monthly
Sector	Stock	ETF

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

Year	FLCCX Portfolio	FLCCX Income/yr	XYLD Portfolio	XYLD Income/yr	Gap
1← crossover	$11,379	$678.50	$10,626	$906.06	+$753.00 → FLCCX
2	$12,897	$721.52	$11,324	$995.47	+$1.6K → FLCCX
3	$14,564	$764.28	$12,104	$1,096.88	+$2.5K → FLCCX
4	$16,390	$806.61	$12,977	$1,212.21	+$3.4K → FLCCX
5	$18,385	$848.37	$13,958	$1,343.80	+$4.4K → FLCCX
6	$20,562	$889.41	$15,061	$1,494.40	+$5.5K → FLCCX
7	$22,931	$929.62	$16,307	$1,667.30	+$6.6K → FLCCX
8	$25,505	$968.90	$17,717	$1,866.48	+$7.8K → FLCCX
9	$28,297	$1,007.16	$19,317	$2,096.71	+$9.0K → FLCCX
10	$31,322	$1,044.33	$21,140	$2,363.75	+$10.2K → FLCCX

FLCCX vs XYLD: Complete Analysis 2026

FLCCX — Stock

The investment seeks long-term growth of capital. The fund normally invests primarily in common stocks. It normally invests at least 80% of its assets in securities of companies with large market capitalizations (which, for purposes of this fund, are those companies with market capitalizations similar to companies in the Russell 1000 ® Index or the S&P 500 ® Index). The fund invests in domestic and foreign issuers. It invests in either growth stocks or value stocks or both.

Full FLCCX Calculator →

XYLD — ETF

XYLD sells covered calls on the S&P 500, converting equity volatility into monthly income. Yields 8-10% depending on market conditions. Similar to QYLD but with S&P 500 exposure — less volatile but comparable income mechanics. Popular for retirement income portfolios alongside other dividend ETFs.

Full XYLD Calculator →

📬

Get this FLCCX vs XYLD comparison by email

Save your analysis + weekly dividend insights. Free forever.

More comparisons

FLCCX vs SCHD FLCCX vs JEPI FLCCX vs O FLCCX vs KO FLCCX vs MAIN FLCCX vs QYLD FLCCX vs JEPQ FLCCX 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.