Is FTFI or RYLD a better dividend investment in 2026?

FTFI currently yields 0.97% with a 5% 5-year dividend growth rate. RYLD yields 12.39% with 5% growth. The better choice depends on your goal: RYLD offers higher current income.

What is the dividend yield difference between FTFI and RYLD?

FTFI has a forward dividend yield of 0.97% ($0.35/share annually). RYLD yields 12.39% ($1.81/share annually). The yield gap is 11.42 percentage points.

Home › Compare › FTFI vs RYLD

FTFI vs RYLD: Dividend Comparison 2026

FTFI yields 0.97% · RYLD yields 12.39%● Live data

vsPost on X →

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

🏆 FTFI wins by $204.3K in total portfolio value· pulled ahead in Year 7

INVESTMENT

TIME HORIZON10 years

FTFI

● Live price

0.97%

Share price

$36.00

Annual div

$0.35

5Y div CAGR

75%

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$249.5K

Annual income

$142,503.85

Full FTFI calculator →

RYLD

● Live price

12.39%

Share price

$14.64

Annual div

$1.81

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$45.3K

Annual income

$2,682.98

Full RYLD calculator →

Portfolio growth — FTFI vs RYLD

📍 FTFI pulled ahead of the other in Year 7

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	FTFI	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, FTFI + RYLD cover 0 of 12 months — good coverage

Jan

—

Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

FTFI 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.

FTFI

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

$82.64/yr

After 10yr DRIP, annual income (after tax)

$121,128.27/yr

RYLD

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

$1,053.44/yr

After 10yr DRIP, annual income (after tax)

$2,280.53/yr

At 15% tax rate, FTFI beats the other by $118,847.74/year in after-tax income after 10 years on $10,000

⚖️

Lazy Portfolio Split Optimizer

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

FTFI: 50%RYLD: 50%

100% RYLD50/50100% FTFI

Portfolio after 10yr

$147.4K

Annual income

$72,593.41/yr

Blended yield

49.25%

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

FTFI buys

RYLD buys

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

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

MetricFTFIRYLD

Forward yield	0.97%	12.39% ✓
Annual dividend / share	$0.35	$1.81 ✓
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	75% ✓	0%
Portfolio after 10y	$249.5K ✓	$45.3K
Annual income after 10y	$142,503.85 ✓	$2,682.98
Total dividends collected	$219.5K ✓	$19.4K
Payment frequency	quarterly	quarterly
Sector	Stock	ETF

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

Year	FTFI Portfolio	FTFI Income/yr	RYLD Portfolio	RYLD Income/yr	Gap
1	$10,870	$170.14	$11,939	$1,239.34	$1.1K → RYLD
2	$11,934	$302.48	$14,158	$1,382.89	$2.2K → RYLD
3	$13,312	$543.10	$16,682	$1,532.59	$3.4K → RYLD
4	$15,235	$990.85	$19,537	$1,687.64	$4.3K → RYLD
5	$18,156	$1,854.61	$22,752	$1,847.20	$4.6K → RYLD
6	$23,041	$3,614.83	$26,355	$2,010.43	$3.3K → RYLD
7← crossover	$32,157	$7,503.07	$30,376	$2,176.45	+$1.8K → FTFI
8	$51,535	$17,126.34	$34,847	$2,344.43	+$16.7K → FTFI
9	$100,031	$44,888.80	$39,800	$2,513.54	+$60.2K → FTFI
10	$249,537	$142,503.85	$45,269	$2,682.98	+$204.3K → FTFI

FTFI vs RYLD: Complete Analysis 2026

FTFI — Stock

First Berlin Bancorp Inc. operates as the banking holding company for Fortifi Bank that provides a range of banking products and services for businesses and consumers. It offers checking and savings accounts, and certificates of deposit, as well as personal loans, home loans, auto loans, and business credit and loans. The company also provides debit and credit cards, treasury management, online and mobile banking, and wealth management services. Its financial centers are located in Berlin, Green Bay, Green Lake, Montello, Omro, Oshkosh, Ripon, Waunakee, and Winneconne. The company was founded in 1876 and is based in Berlin, Wisconsin.

Full FTFI 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.