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FLOT vs RYLD: Dividend Comparison 2026

FLOT yields 4.72% · RYLD yields 4.00%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 RYLD wins by $791.00 in total portfolio value· pulled ahead in Year 7
10 years
FLOT
FLOT
● Live price
4.72%
Share price
$50.95
Annual div
$2.41
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$27.3K
Annual income
$638.97
Full FLOT calculator →
RYLD
RYLD
● Live price
4.00%
Share price
$50.00
Annual div
$2.00
5Y div CAGR
5%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$28.0K
Annual income
$899.19
Full RYLD calculator →

Portfolio growth — FLOT vs RYLD

📍 RYLD 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 PeriodFLOTRYLD
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, FLOT + RYLD cover 0 of 12 months — good coverage

Jan
—
Feb
—
Mar
—
Apr
—
May
—
Jun
—
Jul
—
Aug
—
Sep
—
Oct
—
Nov
—
Dec
—
FLOT pays
RYLD pays
Both pay
Neither
💰

Tax Bracket Optimizer

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

FLOT
Annual income on $10K today (after 15% tax)
$401.40/yr
After 10yr DRIP, annual income (after tax)
$543.12/yr
RYLD
Annual income on $10K today (after 15% tax)
$340.00/yr
After 10yr DRIP, annual income (after tax)
$764.31/yr
At 15% tax rate, RYLD beats the other by $221.19/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of FLOT + RYLD for your $10,000?

FLOT: 50%RYLD: 50%
100% RYLD50/50100% FLOT
Portfolio after 10yr
$27.7K
Annual income
$769.08/yr
Blended yield
2.78%
🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

FLOT buys
0
RYLD buys
0
No recent congressional trades found for FLOT or RYLD in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricFLOTRYLD
Forward yield4.72% ✓4.00%
Annual dividend / share$2.41 ✓$2.00
Payout ratio50%50%
1-year div growth0%5% ✓
5-year div CAGR0%5% ✓
Portfolio after 10y$27.3K$28.0K ✓
Annual income after 10y$638.97$899.19 ✓
Total dividends collected$5.6K$6.4K ✓
Payment frequencyquarterlyquarterly
SectorETFETF

Year-by-year: FLOT vs RYLD ($10,000, DRIP)

YearFLOT PortfolioFLOT Income/yrRYLD PortfolioRYLD Income/yrGap
1$11,172$472.23$11,120$420.00+$52.00 → FLOT
2$12,447$493.08$12,357$458.31+$90.00 → FLOT
3$13,832$513.41$13,721$499.76+$111.00 → FLOT
4$15,334$533.21$15,227$544.58+$107.00 → FLOT
5$16,959$552.42$16,885$593.02+$74.00 → FLOT
6$18,717$571.01$18,713$645.34+$4.00 → FLOT
7← crossover$20,617$588.98$20,724$701.81$107.00 → RYLD
8$22,666$606.30$22,938$762.73$272.00 → RYLD
9$24,876$622.97$25,372$828.41$496.00 → RYLD
10$27,256$638.97$28,047$899.19$791.00 → RYLD

FLOT vs RYLD: Complete Analysis 2026

FLOT — ETF

The iShares Floating Rate Bond ETF seeks to track the investment results of an index composed of U.S. dollar-denominated, investment-grade floating rate bonds with remaining maturities between one month and five years.

Full FLOT Calculator →

RYLD — ETF

RYLD is a dividend-paying stock. Use this calculator to estimate your future dividend income, DRIP compounding returns, and passive income potential from investing in RYLD shares.

Full RYLD 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.