Is FMIHX or RYLD a better dividend investment in 2026?

FMIHX currently yields 16.72% with a 5% 5-year dividend growth rate. RYLD yields 12.14% with 5% growth. The better choice depends on your goal: FMIHX offers higher current income.

What is the dividend yield difference between FMIHX and RYLD?

FMIHX has a forward dividend yield of 16.72% ($2.11/share annually). RYLD yields 12.14% ($1.81/share annually). The yield gap is 4.58 percentage points.

Home › Compare › FMIHX vs RYLD

FMIHX vs RYLD: Dividend Comparison 2026

FMIHX yields 16.72% · RYLD yields 12.14%● Live data

vsPost on X →

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

🏆 FMIHX wins by $57.26M in total portfolio value

INVESTMENT

TIME HORIZON10 years

FMIHX

● Live price

16.72%

Share price

$12.63

Annual div

$2.11

5Y div CAGR

48.2%

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$57.31M

Annual income

$46,584,724.15

Full FMIHX calculator →

RYLD

● Live price

12.14%

Share price

$14.95

Annual div

$1.81

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$44.5K

Annual income

$2,587.35

Full RYLD calculator →

Portfolio growth — FMIHX vs RYLD

📍 FMIHX pulled ahead of the other in Year 1

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 Period	FMIHX	RYLD
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, FMIHX + RYLD cover 0 of 12 months — good coverage

Jan

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Feb

—

Mar

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Apr

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May

—

Jun

—

Jul

—

Aug

—

Sep

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Oct

—

Nov

—

Dec

—

FMIHX pays

RYLD pays

Both pay

Neither

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Tax Bracket Optimizer

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

FMIHX

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

$1,421.16/yr

After 10yr DRIP, annual income (after tax)

$39,597,015.53/yr

RYLD

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

$1,031.60/yr

After 10yr DRIP, annual income (after tax)

$2,199.25/yr

At 15% tax rate, FMIHX beats the other by $39,594,816.28/year in after-tax income after 10 years on $10,000

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Lazy Portfolio Split Optimizer

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

FMIHX: 50%RYLD: 50%

100% RYLD50/50100% FMIHX

Portfolio after 10yr

$28.68M

Annual income

$23,293,655.75/yr

Blended yield

81.23%

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

FMIHX buys

RYLD buys

No recent congressional trades found for FMIHX or RYLD in the last 90 days.

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

MetricFMIHXRYLD

Forward yield	16.72% ✓	12.14%
Annual dividend / share	$2.11 ✓	$1.81
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	48.2% ✓	0%
Portfolio after 10y	$57.31M ✓	$44.5K
Annual income after 10y	$46,584,724.15 ✓	$2,587.35
Total dividends collected	$56.36M ✓	$18.8K
Payment frequency	quarterly	quarterly
Sector	Stock	ETF

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

Year	FMIHX Portfolio	FMIHX Income/yr	RYLD Portfolio	RYLD Income/yr	Gap
1← crossover	$13,178	$2,477.84	$11,914	$1,213.65	+$1.3K → FMIHX
2	$18,623	$4,522.53	$14,099	$1,351.30	+$4.5K → FMIHX
3	$28,779	$8,852.12	$16,580	$1,494.55	+$12.2K → FMIHX
4	$49,740	$18,946.76	$19,384	$1,642.61	+$30.4K → FMIHX
5	$98,578	$45,355.98	$22,535	$1,794.70	+$76.0K → FMIHX
6	$229,979	$124,501.09	$26,063	$1,950.00	+$203.9K → FMIHX
7	$648,376	$402,297.97	$29,995	$2,107.69	+$618.4K → FMIHX
8	$2,264,669	$1,570,907.42	$34,361	$2,266.99	+$2.23M → FMIHX
9	$10,022,839	$7,599,642.41	$39,194	$2,427.12	+$9.98M → FMIHX
10	$57,309,161	$46,584,724.15	$44,525	$2,587.35	+$57.26M → FMIHX

FMIHX vs RYLD: Complete Analysis 2026

FMIHX — Stock

The fund invests mainly in a limited number of large capitalization (namely, companies with more than $5 billion market capitalization at the time of initial purchase) value stocks of companies listed or traded on a national securities exchange or on a national securities association, including foreign securities traded on a national securities exchange or on a national securities association. The fund is non-diversified.

Full FMIHX Calculator →

RYLD — ETF

The Global X Russell 2000 Covered Call ETF (RYLD) seeks to provide investment results that correspond generally to the price and yield performance, before fees and expenses, of the Cboe Russell 2000 BuyWrite Index.

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.