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IBIF vs XYLD: Dividend Comparison 2026

IBIF yields 4.47% · XYLD yields 10.98%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 IBIF wins by $1.5K in total portfolio value
10 years
IBIF
IBIF
● Live price
4.47%
Share price
$26.25
Annual div
$1.17
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$26.8K
Annual income
$595.01
Full IBIF 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
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$25.3K
Annual income
$3,219.02
Full XYLD calculator →

Portfolio growth — IBIF vs XYLD

📍 IBIF 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 PeriodIBIFXYLD
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, IBIF + XYLD cover 0 of 12 months — good coverage

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

Tax Bracket Optimizer

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

IBIF
Annual income on $10K today (after 15% tax)
$379.81/yr
After 10yr DRIP, annual income (after tax)
$505.76/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 $2,230.41/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

IBIF: 50%XYLD: 50%
100% XYLD50/50100% IBIF
Portfolio after 10yr
$26.0K
Annual income
$1,907.01/yr
Blended yield
7.32%
🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

IBIF buys
0
XYLD buys
0
No recent congressional trades found for IBIF or XYLD in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricIBIFXYLD
Forward yield4.47%10.98% ✓
Annual dividend / share$1.17$4.30 ✓
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR0%0%
Portfolio after 10y$26.8K ✓$25.3K
Annual income after 10y$595.01$3,219.02 ✓
Total dividends collected$5.2K$19.6K ✓
Payment frequencyquarterlymonthly
SectorStockETF

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

YearIBIF PortfolioIBIF Income/yrXYLD PortfolioXYLD Income/yrGap
1← crossover$11,147$446.84$10,818$1,098.39+$329.00 → IBIF
2$12,393$465.50$11,738$1,222.51+$655.00 → IBIF
3$13,744$483.66$12,774$1,364.64+$970.00 → IBIF
4$15,207$501.30$13,944$1,527.86+$1.3K → IBIF
5$16,790$518.39$15,270$1,715.87+$1.5K → IBIF
6$18,500$534.91$16,775$1,933.09+$1.7K → IBIF
7$20,346$550.84$18,490$2,184.87+$1.9K → IBIF
8$22,336$566.16$20,450$2,477.63+$1.9K → IBIF
9$24,481$580.89$22,697$2,819.19+$1.8K → IBIF
10$26,790$595.01$25,280$3,219.02+$1.5K → IBIF

IBIF vs XYLD: Complete Analysis 2026

IBIF — Stock

The iShares iBonds Oct 2029 Term TIPS ETF seeks to track the investment results of an index composed of U.S. Treasury Inflation-Protected Securities (TIPS) maturing in 2029.

Full IBIF 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 →
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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.