Is HCDIP or XYLD a better dividend investment in 2026?

HCDIP currently yields 4.00% with a 5% 5-year dividend growth rate. XYLD yields 10.98% with 0.5% growth. The better choice depends on your goal: XYLD offers higher current income.

What is the dividend yield difference between HCDIP and XYLD?

HCDIP has a forward dividend yield of 4.00% ($2.00/share annually). XYLD yields 10.98% ($4.30/share annually). The yield gap is 6.98 percentage points.

Home › Compare › HCDIP vs XYLD

HCDIP vs XYLD: Dividend Comparison 2026

HCDIP yields 4.00% · XYLD yields 10.98%● Live data

vsPost on X →

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

🏆 HCDIP wins by $2.8K in total portfolio value

INVESTMENT

TIME HORIZON10 years

HCDIP

● 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 HCDIP calculator →

XYLD

Global X S&P 500 Covered Call ETF

● Live price

10.98%

Share price

$39.13

Annual div

$4.30

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$25.3K

Annual income

$3,219.02

Full XYLD calculator →

Portfolio growth — HCDIP vs XYLD

📍 HCDIP pulled ahead of the other in Year 1

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	HCDIP	XYLD
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, HCDIP + XYLD cover 0 of 12 months — good coverage

Jan

—

Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

HCDIP pays

XYLD pays

Both pay

Neither

💰

Tax Bracket Optimizer

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

HCDIP

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

$340.00/yr

After 10yr DRIP, annual income (after tax)

$764.31/yr

XYLD

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

$933.63/yr

After 10yr DRIP, annual income (after tax)

$2,736.17/yr

At 15% tax rate, XYLD beats the other by $1,971.86/year in after-tax income after 10 years on $10,000

⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of HCDIP + XYLD for your $10,000?

HCDIP: 50%XYLD: 50%

100% XYLD50/50100% HCDIP

Portfolio after 10yr

$26.7K

Annual income

$2,059.11/yr

Blended yield

7.72%

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

HCDIP buys

XYLD buys

No recent congressional trades found for HCDIP or XYLD in the last 90 days.

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

MetricHCDIPXYLD

Forward yield	4.00%	10.98% ✓
Annual dividend / share	$2.00	$4.30 ✓
Payout ratio	50%	50%
1-year div growth	5% ✓	0%
5-year div CAGR	5% ✓	0%
Portfolio after 10y	$28.0K ✓	$25.3K
Annual income after 10y	$899.19	$3,219.02 ✓
Total dividends collected	$6.4K	$19.6K ✓
Payment frequency	quarterly	monthly
Sector	Stock	ETF

Year-by-year: HCDIP vs XYLD ($10,000, DRIP)

Year	HCDIP Portfolio	HCDIP Income/yr	XYLD Portfolio	XYLD Income/yr	Gap
1← crossover	$11,120	$420.00	$10,818	$1,098.39	+$302.00 → HCDIP
2	$12,357	$458.31	$11,738	$1,222.51	+$619.00 → HCDIP
3	$13,721	$499.76	$12,774	$1,364.64	+$947.00 → HCDIP
4	$15,227	$544.58	$13,944	$1,527.86	+$1.3K → HCDIP
5	$16,885	$593.02	$15,270	$1,715.87	+$1.6K → HCDIP
6	$18,713	$645.34	$16,775	$1,933.09	+$1.9K → HCDIP
7	$20,724	$701.81	$18,490	$2,184.87	+$2.2K → HCDIP
8	$22,938	$762.73	$20,450	$2,477.63	+$2.5K → HCDIP
9	$25,372	$828.41	$22,697	$2,819.19	+$2.7K → HCDIP
10	$28,047	$899.19	$25,280	$3,219.02	+$2.8K → HCDIP

HCDIP vs XYLD: Complete Analysis 2026

HCDIP — Stock

HCDIP is a dividend-paying stock. Use this calculator to estimate your future dividend income, DRIP compounding returns, and passive income potential from investing in HCDIP shares.

Full HCDIP Calculator →

XYLD — ETF

The Global X S&P 500 Covered Call ETF (XYLD) seeks to provide investment results that correspond generally to the price and yield performance, before fees and expenses, of the Cboe S&P 500 BuyWrite Index.

Full XYLD Calculator →

📬

Get this HCDIP vs XYLD comparison by email

Save your analysis + weekly dividend insights. Free forever.

More comparisons

HCDIP vs SCHD HCDIP vs JEPI HCDIP vs O HCDIP vs KO HCDIP vs MAIN HCDIP vs QYLD HCDIP vs JEPQ HCDIP vs RYLD

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