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GMMF vs QYLD: Dividend Comparison 2026

GMMF yields 3.74% · QYLD yields 11.92%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 GMMF wins by $91.00 in total portfolio value
10 years
GMMF
GMMF
● Live price
3.74%
Share price
$100.41
Annual div
$3.75
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$25.5K
Annual income
$475.38
Full GMMF calculator →
QYLD
Global X Nasdaq 100 Covered Call ETF
● Live price
11.92%
Share price
$17.15
Annual div
$2.04
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$25.4K
Annual income
$5,659.31
Full QYLD calculator →

Portfolio growth — GMMF vs QYLD

📍 GMMF 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 PeriodGMMFQYLD
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, GMMF + QYLD cover 0 of 12 months — good coverage

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

Tax Bracket Optimizer

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

GMMF
Annual income on $10K today (after 15% tax)
$317.78/yr
After 10yr DRIP, annual income (after tax)
$404.07/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 $4,406.34/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of GMMF + QYLD for your $10,000?

GMMF: 50%QYLD: 50%
100% QYLD50/50100% GMMF
Portfolio after 10yr
$25.4K
Annual income
$3,067.35/yr
Blended yield
12.06%
🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

GMMF buys
0
QYLD buys
0
No recent congressional trades found for GMMF or QYLD in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricGMMFQYLD
Forward yield3.74%11.92% ✓
Annual dividend / share$3.75 ✓$2.04
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR0%0%
Portfolio after 10y$25.5K ✓$25.4K
Annual income after 10y$475.38$5,659.31 ✓
Total dividends collected$4.3K$27.1K ✓
Payment frequencyquarterlymonthly
SectorStockETF

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

YearGMMF PortfolioGMMF Income/yrQYLD PortfolioQYLD Income/yrGap
1← crossover$11,074$373.86$10,352$1,192.36+$722.00 → GMMF
2$12,236$386.92$10,830$1,347.57+$1.4K → GMMF
3$13,492$399.55$11,460$1,539.07+$2.0K → GMMF
4$14,848$411.75$12,275$1,777.84+$2.6K → GMMF
5$16,311$423.49$13,323$2,078.95+$3.0K → GMMF
6$17,888$434.78$14,667$2,463.34+$3.2K → GMMF
7$19,585$445.61$16,396$2,960.57+$3.2K → GMMF
8$21,412$455.99$18,631$3,612.97+$2.8K → GMMF
9$23,377$465.91$21,548$4,482.15+$1.8K → GMMF
10$25,489$475.38$25,398$5,659.31+$91.00 → GMMF

GMMF vs QYLD: Complete Analysis 2026

GMMF — Stock

The iShares Government Money Market ETF seeks current income as is consistent with liquidity and stability of principal.

Full GMMF 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.