Is IDIV or XYLD a better dividend investment in 2026?

IDIV currently yields 28.74% with a 5% 5-year dividend growth rate. XYLD yields 10.98% with 0.5% growth. The better choice depends on your goal: IDIV offers higher current income.

What is the dividend yield difference between IDIV and XYLD?

IDIV has a forward dividend yield of 28.74% ($2.00/share annually). XYLD yields 10.98% ($4.30/share annually). The yield gap is 17.76 percentage points.

Home › Compare › IDIV vs XYLD

IDIV vs XYLD: Dividend Comparison 2026

IDIV yields 28.74% · XYLD yields 10.98%● Live data

vsPost on X →

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

🏆 IDIV wins by $97.7K in total portfolio value

INVESTMENT

TIME HORIZON10 years

IDIV

● Live price

28.74%

Share price

$6.96

Annual div

$2.00

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$123.0K

Annual income

$15,679.83

Full IDIV 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 — IDIV vs XYLD

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

Jan

—

Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

IDIV pays

XYLD pays

Both pay

Neither

💰

Tax Bracket Optimizer

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

IDIV

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

$2,442.53/yr

After 10yr DRIP, annual income (after tax)

$13,327.86/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, IDIV beats the other by $10,591.69/year in after-tax income after 10 years on $10,000

⚖️

Lazy Portfolio Split Optimizer

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

IDIV: 50%XYLD: 50%

100% XYLD50/50100% IDIV

Portfolio after 10yr

$74.2K

Annual income

$9,449.42/yr

Blended yield

12.74%

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

IDIV buys

XYLD buys

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

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

MetricIDIVXYLD

Forward yield	28.74% ✓	10.98%
Annual dividend / share	$2.00	$4.30 ✓
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	0%	0%
Portfolio after 10y	$123.0K ✓	$25.3K
Annual income after 10y	$15,679.83 ✓	$3,219.02
Total dividends collected	$82.6K ✓	$19.6K
Payment frequency	quarterly	monthly
Sector	Stock	ETF

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

Year	IDIV Portfolio	IDIV Income/yr	XYLD Portfolio	XYLD Income/yr	Gap
1← crossover	$13,574	$2,873.56	$10,818	$1,098.39	+$2.8K → IDIV
2	$18,169	$3,645.28	$11,738	$1,222.51	+$6.4K → IDIV
3	$24,001	$4,560.20	$12,774	$1,364.64	+$11.2K → IDIV
4	$31,311	$5,629.88	$13,944	$1,527.86	+$17.4K → IDIV
5	$40,367	$6,864.08	$15,270	$1,715.87	+$25.1K → IDIV
6	$51,463	$8,270.40	$16,775	$1,933.09	+$34.7K → IDIV
7	$64,919	$9,853.99	$18,490	$2,184.87	+$46.4K → IDIV
8	$81,081	$11,617.38	$20,450	$2,477.63	+$60.6K → IDIV
9	$100,317	$13,560.31	$22,697	$2,819.19	+$77.6K → IDIV
10	$123,019	$15,679.83	$25,280	$3,219.02	+$97.7K → IDIV

IDIV vs XYLD: Complete Analysis 2026

IDIV — Stock

The advisor intends primarily to invest its assets in the component instruments of the underlying index. The component instruments of the index consist of U.S. Treasury Securities and long positions in annual futures contracts listed on the CME that provide exposure to dividends paid on the S&P 500 constituent companies pro rata for each year of the life of the fund.

Full IDIV 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 IDIV vs XYLD comparison by email

Save your analysis + weekly dividend insights. Free forever.

More comparisons

IDIV vs SCHD IDIV vs JEPI IDIV vs O IDIV vs KO IDIV vs MAIN IDIV vs QYLD IDIV vs JEPQ IDIV 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.