Is ILPMY or QYLD a better dividend investment in 2026?

ILPMY currently yields 0.52% with a 5% 5-year dividend growth rate. QYLD yields 11.92% with -2.1% growth. The better choice depends on your goal: QYLD offers higher current income.

What is the dividend yield difference between ILPMY and QYLD?

ILPMY has a forward dividend yield of 0.52% ($0.02/share annually). QYLD yields 11.92% ($2.04/share annually). The yield gap is 11.40 percentage points.

Home › Compare › ILPMY vs QYLD

ILPMY vs QYLD: Dividend Comparison 2026

ILPMY yields 0.52% · QYLD yields 11.92%● Live data

vsPost on X →

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

🏆 QYLD wins by $5.6K in total portfolio value· pulled ahead in Year 7

INVESTMENT

TIME HORIZON10 years

ILPMY

● Live price

0.52%

Share price

$3.88

Annual div

$0.02

5Y div CAGR

-50%

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$19.8K

Annual income

$0.05

Full ILPMY calculator →

QYLD

Global X Nasdaq 100 Covered Call ETF

● Live price

11.92%

Share price

$17.15

Annual div

$2.04

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$25.4K

Annual income

$5,659.31

Full QYLD calculator →

Portfolio growth — ILPMY vs QYLD

📍 QYLD pulled ahead of the other in Year 7

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	ILPMY	QYLD
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, ILPMY + QYLD cover 0 of 12 months — good coverage

Jan

—

Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

ILPMY pays

QYLD pays

Both pay

Neither

💰

Tax Bracket Optimizer

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

ILPMY

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

$43.81/yr

After 10yr DRIP, annual income (after tax)

$0.04/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 $4,810.37/year in after-tax income after 10 years on $10,000

⚖️

Lazy Portfolio Split Optimizer

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

ILPMY: 50%QYLD: 50%

100% QYLD50/50100% ILPMY

Portfolio after 10yr

$22.6K

Annual income

$2,829.69/yr

Blended yield

12.53%

📊

Analyst Conviction Gap

Where Wall Street is most bullish on QYLD right now

ILPMY

Analyst Ratings

Sell

Consensus: Sell

Altman Z

0.2

Piotroski

6/9

QYLD

No analyst data

Analyst ratings via FMP. Altman Z-Score: >3.0 safe, 1.81–3.0 grey zone, <1.81 distress. Piotroski: 7–9 strong, 0–3 weak.

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

ILPMY buys

QYLD buys

No recent congressional trades found for ILPMY or QYLD in the last 90 days.

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

MetricILPMYQYLD

Forward yield	0.52%	11.92% ✓
Annual dividend / share	$0.02	$2.04 ✓
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	-50%	0% ✓
Portfolio after 10y	$19.8K	$25.4K ✓
Annual income after 10y	$0.05	$5,659.31 ✓
Total dividends collected	$52.00 ✓	$27.1K
Payment frequency	quarterly	monthly
Sector	Stock	ETF

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

Year	ILPMY Portfolio	ILPMY Income/yr	QYLD Portfolio	QYLD Income/yr	Gap
1	$10,726	$25.77	$10,352	$1,192.36	+$374.00 → ILPMY
2	$11,489	$12.92	$10,830	$1,347.57	+$659.00 → ILPMY
3	$12,300	$6.47	$11,460	$1,539.07	+$840.00 → ILPMY
4	$13,164	$3.23	$12,275	$1,777.84	+$889.00 → ILPMY
5	$14,088	$1.62	$13,323	$2,078.95	+$765.00 → ILPMY
6	$15,075	$0.81	$14,667	$2,463.34	+$408.00 → ILPMY
7← crossover	$16,130	$0.40	$16,396	$2,960.57	$266.00 → QYLD
8	$17,259	$0.20	$18,631	$3,612.97	$1.4K → QYLD
9	$18,468	$0.10	$21,548	$4,482.15	$3.1K → QYLD
10	$19,761	$0.05	$25,398	$5,659.31	$5.6K → QYLD

ILPMY vs QYLD: Complete Analysis 2026

ILPMY — Stock

Permanent TSB Group Holdings plc provides financial services to retail, and small and medium sized enterprises. It offers current accounts; retail, corporate, and institutional deposits; mortgages; consumer finance, including term loans, credit cards, and overdrafts; treasury assets; and wholesale funding services. The company also offers mobile and online banking services. It operates through a network of 25 branches in Dublin region, 25 branches in South and East region of the Republic of Ireland, 26 branches in North and West region of the Republic of Ireland. The company was formerly known as Irish Life & Permanent Group Holdings plc and changed its name to Permanent TSB Group Holdings plc in May 2012. Permanent TSB Group Holdings plc was founded in 1816 and is headquartered in Dublin, Ireland.

Full ILPMY 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 →

📬

Get this ILPMY vs QYLD comparison by email

Save your analysis + weekly dividend insights. Free forever.

More comparisons

ILPMY vs SCHD ILPMY vs JEPI ILPMY vs O ILPMY vs KO ILPMY vs MAIN ILPMY vs XYLD ILPMY vs JEPQ ILPMY 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.