Is FLFG or XYLD a better dividend investment in 2026?

FLFG currently yields 12.31% with a 5% 5-year dividend growth rate. XYLD yields 10.98% with 0.5% growth. The better choice depends on your goal: FLFG offers higher current income.

What is the dividend yield difference between FLFG and XYLD?

FLFG has a forward dividend yield of 12.31% ($2.00/share annually). XYLD yields 10.98% ($4.30/share annually). The yield gap is 1.33 percentage points.

Home › Compare › FLFG vs XYLD

FLFG vs XYLD: Dividend Comparison 2026

FLFG yields 12.31% · XYLD yields 10.98%● Live data

vsPost on X →

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

🏆 FLFG wins by $19.7K in total portfolio value

INVESTMENT

TIME HORIZON10 years

FLFG

● Live price

12.31%

Share price

$16.25

Annual div

$2.00

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$45.0K

Annual income

$2,650.82

Full FLFG 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 — FLFG vs XYLD

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

Jan

—

Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

FLFG pays

XYLD pays

Both pay

Neither

💰

Tax Bracket Optimizer

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

FLFG

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

$1,046.15/yr

After 10yr DRIP, annual income (after tax)

$2,253.20/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, XYLD beats the other by $482.97/year in after-tax income after 10 years on $10,000

⚖️

Lazy Portfolio Split Optimizer

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

FLFG: 50%XYLD: 50%

100% XYLD50/50100% FLFG

Portfolio after 10yr

$35.1K

Annual income

$2,934.92/yr

Blended yield

8.35%

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

FLFG buys

XYLD buys

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

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

MetricFLFGXYLD

Forward yield	12.31% ✓	10.98%
Annual dividend / share	$2.00	$4.30 ✓
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	0%	0%
Portfolio after 10y	$45.0K ✓	$25.3K
Annual income after 10y	$2,650.82	$3,219.02 ✓
Total dividends collected	$19.2K	$19.6K ✓
Payment frequency	quarterly	monthly
Sector	Stock	ETF

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

Year	FLFG Portfolio	FLFG Income/yr	XYLD Portfolio	XYLD Income/yr	Gap
1← crossover	$11,931	$1,230.77	$10,818	$1,098.39	+$1.1K → FLFG
2	$14,138	$1,372.34	$11,738	$1,222.51	+$2.4K → FLFG
3	$16,648	$1,519.87	$12,774	$1,364.64	+$3.9K → FLFG
4	$19,486	$1,672.56	$13,944	$1,527.86	+$5.5K → FLFG
5	$22,679	$1,829.61	$15,270	$1,715.87	+$7.4K → FLFG
6	$26,257	$1,990.16	$16,775	$1,933.09	+$9.5K → FLFG
7	$30,248	$2,153.37	$18,490	$2,184.87	+$11.8K → FLFG
8	$34,684	$2,318.42	$20,450	$2,477.63	+$14.2K → FLFG
9	$39,597	$2,484.50	$22,697	$2,819.19	+$16.9K → FLFG
10	$45,019	$2,650.82	$25,280	$3,219.02	+$19.7K → FLFG

FLFG vs XYLD: Complete Analysis 2026

FLFG — Stock

Federal Life Group, Inc., through its subsidiary Federal Life Insurance Company, provides life insurance and annuity products in the United States. It offers whole, term, and universal life insurance, as well as retirement insurance products. The company offers its products through independent agents. Federal Life Group, Inc. was founded in 2018 and is headquartered in Riverwoods, Illinois. Federal Life Group, Inc operates as a subsidiary of Insurance Capital Group, LLC.

Full FLFG 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 →

📬

Get this FLFG vs XYLD comparison by email

Save your analysis + weekly dividend insights. Free forever.

More comparisons

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