Is FOCCX or RYLD a better dividend investment in 2026?

FOCCX currently yields 7.07% with a 5% 5-year dividend growth rate. RYLD yields 4.00% with 5% growth. The better choice depends on your goal: FOCCX offers higher current income.

What is the dividend yield difference between FOCCX and RYLD?

FOCCX has a forward dividend yield of 7.07% ($2.00/share annually). RYLD yields 4.00% ($2.00/share annually). The yield gap is 3.07 percentage points.

Home › Compare › FOCCX vs RYLD

FOCCX vs RYLD: Dividend Comparison 2026

FOCCX yields 7.07% · RYLD yields 4.00%● Live data

vsPost on X →

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

🏆 FOCCX wins by $3.9K in total portfolio value

INVESTMENT

TIME HORIZON10 years

FOCCX

● Live price

7.07%

Share price

$28.30

Annual div

$2.00

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$31.9K

Annual income

$1,106.94

Full FOCCX calculator →

RYLD

● Live price

4.00%

Share price

$50.00

Annual div

$2.00

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$28.0K

Annual income

$899.19

Full RYLD calculator →

Portfolio growth — FOCCX vs RYLD

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

Jan

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Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

FOCCX 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.

FOCCX

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

$600.71/yr

After 10yr DRIP, annual income (after tax)

$940.90/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, FOCCX beats the other by $176.59/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 FOCCX + RYLD for your $10,000?

FOCCX: 50%RYLD: 50%

100% RYLD50/50100% FOCCX

Portfolio after 10yr

$30.0K

Annual income

$1,003.07/yr

Blended yield

3.35%

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

FOCCX buys

RYLD buys

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

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

MetricFOCCXRYLD

Forward yield	7.07% ✓	4.00%
Annual dividend / share	$2.00	$2.00
Payout ratio	50%	50%
1-year div growth	0%	5% ✓
5-year div CAGR	0%	5% ✓
Portfolio after 10y	$31.9K ✓	$28.0K
Annual income after 10y	$1,106.94 ✓	$899.19
Total dividends collected	$9.1K ✓	$6.4K
Payment frequency	quarterly	quarterly
Sector	Stock	ETF

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

Year	FOCCX Portfolio	FOCCX Income/yr	RYLD Portfolio	RYLD Income/yr	Gap
1← crossover	$11,407	$706.71	$11,120	$420.00	+$287.00 → FOCCX
2	$12,959	$753.39	$12,357	$458.31	+$602.00 → FOCCX
3	$14,666	$799.90	$13,721	$499.76	+$945.00 → FOCCX
4	$16,538	$846.04	$15,227	$544.58	+$1.3K → FOCCX
5	$18,588	$891.65	$16,885	$593.02	+$1.7K → FOCCX
6	$20,825	$936.58	$18,713	$645.34	+$2.1K → FOCCX
7	$23,264	$980.69	$20,724	$701.81	+$2.5K → FOCCX
8	$25,916	$1,023.85	$22,938	$762.73	+$3.0K → FOCCX
9	$28,796	$1,065.96	$25,372	$828.41	+$3.4K → FOCCX
10	$31,919	$1,106.94	$28,047	$899.19	+$3.9K → FOCCX

FOCCX vs RYLD: Complete Analysis 2026

FOCCX — Stock

The investment seeks growth of capital. The fund will invest approximately 65% of its assets in the large-cap portion of the fund and 35% of its assets in the small- and mid-cap portion of the fund. These percentages reflect the projected asset allocations under normal market conditions and may be rebalanced from time to time. The fund will generally hold up to a total of 40 securities, including approximately 10 to 20 securities in the large-cap portion and approximately 20 securities in the small- and mid-cap portion of the fund. The fund is non-diversified.

Full FOCCX 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.