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FTSM vs RYLD: Dividend Comparison 2026

FTSM yields 4.24% · RYLD yields 4.00%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 RYLD wins by $1.7K in total portfolio value· pulled ahead in Year 2
10 years
FTSM
FTSM
● Live price
4.24%
Share price
$59.77
Annual div
$2.53
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$26.4K
Annual income
$556.65
Full FTSM calculator →
RYLD
RYLD
● Live price
4.00%
Share price
$50.00
Annual div
$2.00
5Y div CAGR
5%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$28.0K
Annual income
$899.19
Full RYLD calculator →

Portfolio growth — FTSM vs RYLD

📍 RYLD pulled ahead of the other in Year 2

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 PeriodFTSMRYLD
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, FTSM + RYLD cover 0 of 12 months — good coverage

Jan
—
Feb
—
Mar
—
Apr
—
May
—
Jun
—
Jul
—
Aug
—
Sep
—
Oct
—
Nov
—
Dec
—
FTSM pays
RYLD pays
Both pay
Neither
💰

Tax Bracket Optimizer

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

FTSM
Annual income on $10K today (after 15% tax)
$360.47/yr
After 10yr DRIP, annual income (after tax)
$473.15/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, RYLD beats the other by $291.16/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

FTSM: 50%RYLD: 50%
100% RYLD50/50100% FTSM
Portfolio after 10yr
$27.2K
Annual income
$727.92/yr
Blended yield
2.67%
🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

FTSM buys
0
RYLD buys
0
No recent congressional trades found for FTSM or RYLD in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricFTSMRYLD
Forward yield4.24% ✓4.00%
Annual dividend / share$2.53 ✓$2.00
Payout ratio50%50%
1-year div growth0%5% ✓
5-year div CAGR0%5% ✓
Portfolio after 10y$26.4K$28.0K ✓
Annual income after 10y$556.65$899.19 ✓
Total dividends collected$4.9K$6.4K ✓
Payment frequencyquarterlyquarterly
SectorStockETF

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

YearFTSM PortfolioFTSM Income/yrRYLD PortfolioRYLD Income/yrGap
1$11,124$424.08$11,120$420.00+$4.00 → FTSM
2← crossover$12,344$440.89$12,357$458.31$13.00 → RYLD
3$13,665$457.22$13,721$499.76$56.00 → RYLD
4$15,095$473.04$15,227$544.58$132.00 → RYLD
5$16,639$488.35$16,885$593.02$246.00 → RYLD
6$18,307$503.11$18,713$645.34$406.00 → RYLD
7$20,106$517.33$20,724$701.81$618.00 → RYLD
8$22,045$530.99$22,938$762.73$893.00 → RYLD
9$24,132$544.10$25,372$828.41$1.2K → RYLD
10$26,378$556.65$28,047$899.19$1.7K → RYLD

FTSM vs RYLD: Complete Analysis 2026

FTSM — Stock

The First Trust Enhanced Short Maturity ETF is an actively managed exchange-traded fund. The fund's investment objective is to seek current income, consistent with preservation of capital and daily liquidity.

Full FTSM 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.