Is FNCL or QYLD a better dividend investment in 2026?

FNCL currently yields 1.75% with a 5% 5-year dividend growth rate. QYLD yields 11.92% with -2.1% growth. The better choice depends on your goal: QYLD offers higher current income.

What is the dividend yield difference between FNCL and QYLD?

FNCL has a forward dividend yield of 1.75% ($1.23/share annually). QYLD yields 11.92% ($2.04/share annually). The yield gap is 10.17 percentage points.

Home › Compare › FNCL vs QYLD

FNCL vs QYLD: Dividend Comparison 2026

FNCL yields 1.75% · QYLD yields 11.92%● Live data

vsPost on X →

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

🏆 QYLD wins by $3.2K in total portfolio value· pulled ahead in Year 9

INVESTMENT

TIME HORIZON10 years

FNCL

● Live price

1.75%

Share price

$70.20

Annual div

$1.23

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$22.2K

Annual income

$196.26

Full FNCL calculator →

QYLD

Global X Nasdaq 100 Covered Call ETF

● Live price

11.92%

Share price

$17.15

Annual div

$2.04

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$25.4K

Annual income

$5,659.31

Full QYLD calculator →

Portfolio growth — FNCL vs QYLD

📍 QYLD pulled ahead of the other in Year 9

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	FNCL	QYLD
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, FNCL + QYLD cover 0 of 12 months — good coverage

Jan

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Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

FNCL pays

QYLD pays

Both pay

Neither

💰

Tax Bracket Optimizer

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

FNCL

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

$148.93/yr

After 10yr DRIP, annual income (after tax)

$166.82/yr

QYLD

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

$1,013.51/yr

After 10yr DRIP, annual income (after tax)

$4,810.41/yr

At 15% tax rate, QYLD beats the other by $4,643.59/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 FNCL + QYLD for your $10,000?

FNCL: 50%QYLD: 50%

100% QYLD50/50100% FNCL

Portfolio after 10yr

$23.8K

Annual income

$2,927.79/yr

Blended yield

12.29%

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

FNCL buys

QYLD buys

Politician	Chamber	Ticker	Type	Amount	Date
Tim Moore	🏢 House	$QYLD	▼ Sell	$15,001 - $50,000	2025-05-02
Tim Moore	🏢 House	$QYLD	▲ Buy	$15,001 - $50,000	2025-04-07
Dwight Evans	🏢 House	$QYLD	▼ Sell	$1,001 - $15,000	2022-11-14
Dwight Evans	🏢 House	$QYLD	▼ Sell	$1,001 - $15,000	2020-10-29

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

MetricFNCLQYLD

Forward yield	1.75%	11.92% ✓
Annual dividend / share	$1.23	$2.04 ✓
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	0%	0%
Portfolio after 10y	$22.2K	$25.4K ✓
Annual income after 10y	$196.26	$5,659.31 ✓
Total dividends collected	$1.9K	$27.1K ✓
Payment frequency	quarterly	monthly
Sector	Stock	ETF

Year-by-year: FNCL vs QYLD ($10,000, DRIP)

Year	FNCL Portfolio	FNCL Income/yr	QYLD Portfolio	QYLD Income/yr	Gap
1	$10,875	$175.21	$10,352	$1,192.36	+$523.00 → FNCL
2	$11,815	$178.08	$10,830	$1,347.57	+$985.00 → FNCL
3	$12,822	$180.81	$11,460	$1,539.07	+$1.4K → FNCL
4	$13,903	$183.39	$12,275	$1,777.84	+$1.6K → FNCL
5	$15,062	$185.85	$13,323	$2,078.95	+$1.7K → FNCL
6	$16,305	$188.17	$14,667	$2,463.34	+$1.6K → FNCL
7	$17,637	$190.36	$16,396	$2,960.57	+$1.2K → FNCL
8	$19,064	$192.44	$18,631	$3,612.97	+$433.00 → FNCL
9← crossover	$20,593	$194.40	$21,548	$4,482.15	$955.00 → QYLD
10	$22,230	$196.26	$25,398	$5,659.31	$3.2K → QYLD

FNCL vs QYLD: Complete Analysis 2026

FNCL — Stock

Tracks the performance of the MSCI USA IMI Financials 25/50 Index.

Full FNCL Calculator →

QYLD — ETF

The Global X Nasdaq 100 Covered Call ETF (QYLD) seeks to provide investment results that correspond generally to the price and yield performance, before fees and expenses, of the Cboe Nasdaq-100 BuyWrite V2 Index.

Full QYLD 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.