Is FNILX or RYLD a better dividend investment in 2026?

FNILX currently yields 1.06% 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 FNILX and RYLD?

FNILX has a forward dividend yield of 1.06% ($0.25/share annually). RYLD yields 12.14% ($1.81/share annually). The yield gap is 11.08 percentage points.

Home › Compare › FNILX vs RYLD

FNILX vs RYLD: Dividend Comparison 2026

FNILX yields 1.06% · RYLD yields 12.14%● Live data

vsPost on X →

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

🏆 FNILX wins by $5.53M in total portfolio value· pulled ahead in Year 6

INVESTMENT

TIME HORIZON10 years

FNILX

● Live price

1.06%

Share price

$23.28

Annual div

$0.25

5Y div CAGR

100%

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$5.57M

Annual income

$4,716,757.97

Full FNILX 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 — FNILX vs RYLD

📍 FNILX pulled ahead of the other in Year 6

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	FNILX	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%.

📅

Dividend Calendar Overlap

Combined, FNILX + RYLD cover 0 of 12 months — good coverage

Jan

—

Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

FNILX pays

RYLD pays

Both pay

Neither

💰

Tax Bracket Optimizer

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

FNILX

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

$90.18/yr

After 10yr DRIP, annual income (after tax)

$4,009,244.27/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, FNILX beats the other by $4,007,045.03/year in after-tax income after 10 years on $10,000

⚖️

Lazy Portfolio Split Optimizer

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

FNILX: 50%RYLD: 50%

100% RYLD50/50100% FNILX

Portfolio after 10yr

$2.81M

Annual income

$2,359,672.65/yr

Blended yield

84.04%

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

FNILX buys

RYLD buys

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

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

MetricFNILXRYLD

Forward yield	1.06%	12.14% ✓
Annual dividend / share	$0.25	$1.81 ✓
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	100% ✓	0%
Portfolio after 10y	$5.57M	$44.5K ✓
Annual income after 10y	$4,716,757.97 ✓	$2,587.35
Total dividends collected	$5.48M	$18.8K ✓
Payment frequency	quarterly	quarterly
Sector	Stock	ETF

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

Year	FNILX Portfolio	FNILX Income/yr	RYLD Portfolio	RYLD Income/yr	Gap
1	$10,912	$212.20	$11,914	$1,213.65	$1.0K → RYLD
2	$12,109	$432.82	$14,099	$1,351.30	$2.0K → RYLD
3	$13,854	$897.72	$16,580	$1,494.55	$2.7K → RYLD
4	$16,744	$1,919.84	$19,384	$1,642.61	$2.6K → RYLD
5	$22,253	$4,336.94	$22,535	$1,794.70	$282.00 → RYLD
6← crossover	$34,584	$10,773.60	$26,063	$1,950.00	+$8.5K → FNILX
7	$68,302	$31,296.69	$29,995	$2,107.69	+$38.3K → FNILX
8	$188,614	$115,531.17	$34,361	$2,266.99	+$154.3K → FNILX
9	$798,148	$596,331.42	$39,194	$2,427.12	+$759.0K → FNILX
10	$5,570,777	$4,716,757.97	$44,525	$2,587.35	+$5.53M → FNILX

FNILX vs RYLD: Complete Analysis 2026

FNILX — Stock

The fund normally invests at least 80% of assets in common stocks of large capitalization companies included in the Fidelity U.S. Large Cap Index?, which is a float-adjusted market capitalization-weighted index designed to reflect the performance of U.S. large capitalization stocks. Large capitalization stocks are considered to be stocks of the largest 500 U.S. companies based on float-adjusted market capitalization.

Full FNILX 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 →

📬

Get this FNILX vs RYLD comparison by email

Save your analysis + weekly dividend insights. Free forever.

More comparisons

FNILX vs SCHD FNILX vs JEPI FNILX vs O FNILX vs KO FNILX vs MAIN

⚠️ Educational purposes only. Not financial advice. Congressional trades sourced from SEC STOCK Act filings via FMP. Past performance does not guarantee future results.