Is HMSVY or RYLD a better dividend investment in 2026?

HMSVY currently yields 2.48% with a 5% 5-year dividend growth rate. RYLD yields 12.14% with 5% growth. The better choice depends on your goal: RYLD offers higher current income.

What is the dividend yield difference between HMSVY and RYLD?

HMSVY has a forward dividend yield of 2.48% ($0.68/share annually). RYLD yields 12.14% ($1.81/share annually). The yield gap is 9.66 percentage points.

Home › Compare › HMSVY vs RYLD

HMSVY vs RYLD: Dividend Comparison 2026

HMSVY yields 2.48% · RYLD yields 12.14%● Live data

vsPost on X →

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

🏆 HMSVY wins by $168.63M in total portfolio value· pulled ahead in Year 4

INVESTMENT

TIME HORIZON10 years

HMSVY

● Live price

2.48%

Share price

$27.29

Annual div

$0.68

5Y div CAGR

100%

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$168.68M

Annual income

$156,565,352.60

Full HMSVY calculator →

RYLD

● Live price

12.14%

Share price

$14.95

Annual div

$1.81

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$44.5K

Annual income

$2,587.35

Full RYLD calculator →

Portfolio growth — HMSVY vs RYLD

📍 HMSVY pulled ahead of the other in Year 4

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

Jan

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Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

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Sep

—

Oct

—

Nov

—

Dec

—

HMSVY 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.

HMSVY

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

$211.07/yr

After 10yr DRIP, annual income (after tax)

$133,080,549.71/yr

RYLD

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

$1,031.60/yr

After 10yr DRIP, annual income (after tax)

$2,199.25/yr

At 15% tax rate, HMSVY beats the other by $133,078,350.46/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 HMSVY + RYLD for your $10,000?

HMSVY: 50%RYLD: 50%

100% RYLD50/50100% HMSVY

Portfolio after 10yr

$84.36M

Annual income

$78,283,969.97/yr

Blended yield

92.80%

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

HMSVY buys

RYLD buys

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

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

MetricHMSVYRYLD

Forward yield	2.48%	12.14% ✓
Annual dividend / share	$0.68	$1.81 ✓
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	100% ✓	0%
Portfolio after 10y	$168.68M ✓	$44.5K
Annual income after 10y	$156,565,352.60 ✓	$2,587.35
Total dividends collected	$167.75M ✓	$18.8K
Payment frequency	quarterly	quarterly
Sector	Stock	ETF

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

Year	HMSVY Portfolio	HMSVY Income/yr	RYLD Portfolio	RYLD Income/yr	Gap
1	$11,197	$496.64	$11,914	$1,213.65	$717.00 → RYLD
2	$13,020	$1,039.39	$14,099	$1,351.30	$1.1K → RYLD
3	$16,190	$2,259.12	$16,580	$1,494.55	$390.00 → RYLD
4← crossover	$22,575	$5,250.94	$19,384	$1,642.61	+$3.2K → HMSVY
5	$37,840	$13,685.09	$22,535	$1,794.70	+$15.3K → HMSVY
6	$83,366	$42,876.98	$26,063	$1,950.00	+$57.3K → HMSVY
7	$265,768	$176,566.33	$29,995	$2,107.69	+$235.8K → HMSVY
8	$1,336,500	$1,052,128.94	$34,361	$2,266.99	+$1.30M → HMSVY
9	$11,319,735	$9,889,679.74	$39,194	$2,427.12	+$11.28M → HMSVY
10	$168,677,469	$156,565,352.60	$44,525	$2,587.35	+$168.63M → HMSVY

HMSVY vs RYLD: Complete Analysis 2026

HMSVY — Stock

HomeServe plc, together with its subsidiaries, provides home repair and improvement services to homeowners under the HomeServe brand. It offers home assistance via subscription-based membership services for plumbing, heating, ventilation, and air conditioning; and electrical, glazing, pest control, and locksmith service. The company also operates an online marketplace to help homeowners to find local trade on-demand, as well as to help with a range of home repairs and improvements, including landscape gardening and carpet cleaning. It serves approximately 8.4 million customers through a network of engineers and sub-contractors primarily in the United Kingdom, the United States, Canada, France, Belgium, Spain, Portugal, and Japan. HomeServe plc was incorporated in 1991 and is based in Walsall, the United Kingdom.

Full HMSVY 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.