Is FMSDX or RYLD a better dividend investment in 2026?

FMSDX currently yields 3.82% with a 5% 5-year dividend growth rate. RYLD yields 12.14% with 5% growth. The better choice depends on your goal: RYLD offers higher current income.

What is the dividend yield difference between FMSDX and RYLD?

FMSDX has a forward dividend yield of 3.82% ($0.60/share annually). RYLD yields 12.14% ($1.81/share annually). The yield gap is 8.32 percentage points.

Home › Compare › FMSDX vs RYLD

FMSDX vs RYLD: Dividend Comparison 2026

FMSDX yields 3.82% · RYLD yields 12.14%● Live data

vsPost on X →

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

🏆 RYLD wins by $18.9K in total portfolio value

INVESTMENT

TIME HORIZON10 years

FMSDX

● Live price

3.82%

Share price

$15.69

Annual div

$0.60

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$25.6K

Annual income

$488.31

Full FMSDX 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 — FMSDX vs RYLD

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

Jan

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Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

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Sep

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Oct

—

Nov

—

Dec

—

FMSDX 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.

FMSDX

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

$324.73/yr

After 10yr DRIP, annual income (after tax)

$415.06/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, RYLD beats the other by $1,784.18/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 FMSDX + RYLD for your $10,000?

FMSDX: 50%RYLD: 50%

100% RYLD50/50100% FMSDX

Portfolio after 10yr

$35.1K

Annual income

$1,537.83/yr

Blended yield

4.38%

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

FMSDX buys

RYLD buys

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

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

MetricFMSDXRYLD

Forward yield	3.82%	12.14% ✓
Annual dividend / share	$0.60	$1.81 ✓
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	0%	0%
Portfolio after 10y	$25.6K	$44.5K ✓
Annual income after 10y	$488.31	$2,587.35 ✓
Total dividends collected	$4.4K	$18.8K ✓
Payment frequency	quarterly	quarterly
Sector	Stock	ETF

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

Year	FMSDX Portfolio	FMSDX Income/yr	RYLD Portfolio	RYLD Income/yr	Gap
1← crossover	$11,082	$382.04	$11,914	$1,213.65	$832.00 → RYLD
2	$12,253	$395.68	$14,099	$1,351.30	$1.8K → RYLD
3	$13,520	$408.88	$16,580	$1,494.55	$3.1K → RYLD
4	$14,888	$421.63	$19,384	$1,642.61	$4.5K → RYLD
5	$16,364	$433.92	$22,535	$1,794.70	$6.2K → RYLD
6	$17,955	$445.74	$26,063	$1,950.00	$8.1K → RYLD
7	$19,669	$457.09	$29,995	$2,107.69	$10.3K → RYLD
8	$21,514	$467.97	$34,361	$2,266.99	$12.8K → RYLD
9	$23,499	$478.37	$39,194	$2,427.12	$15.7K → RYLD
10	$25,632	$488.31	$44,525	$2,587.35	$18.9K → RYLD

FMSDX vs RYLD: Complete Analysis 2026

FMSDX — Stock

The fund normally invests primarily in income producing securities of all types. It allocates the fund's assets among equity and debt securities, including common and preferred stock, investment-grade debt securities, lower-quality debt securities (those of less than investment-grade quality, also referred to as high yield debt securities or junk bonds), floating rate securities, and convertible securities.

Full FMSDX 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.