Is ILPMY or XYLD a better dividend investment in 2026?

ILPMY currently yields 0.52% 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 ILPMY and XYLD?

ILPMY has a forward dividend yield of 0.52% ($0.02/share annually). XYLD yields 10.98% ($4.30/share annually). The yield gap is 10.46 percentage points.

Home › Compare › ILPMY vs XYLD

ILPMY vs XYLD: Dividend Comparison 2026

ILPMY yields 0.52% · XYLD yields 10.98%● Live data

vsPost on X →

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

🏆 XYLD wins by $5.5K in total portfolio value

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 →

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 — ILPMY vs XYLD

📍 XYLD pulled ahead of the other in Year 1

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	ILPMY	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%.

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Dividend Calendar Overlap

Combined, ILPMY + XYLD cover 0 of 12 months — good coverage

Jan

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Feb

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Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

ILPMY pays

XYLD pays

Both pay

Neither

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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

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 $2,736.12/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 ILPMY + XYLD for your $10,000?

ILPMY: 50%XYLD: 50%

100% XYLD50/50100% ILPMY

Portfolio after 10yr

$22.5K

Annual income

$1,609.54/yr

Blended yield

7.15%

📊

Analyst Conviction Gap

Where Wall Street is most bullish on XYLD right now

ILPMY

Analyst Ratings

Sell

Consensus: Sell

Altman Z

0.2

Piotroski

6/9

XYLD

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.

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Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

ILPMY buys

XYLD buys

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

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

MetricILPMYXYLD

Forward yield	0.52%	10.98% ✓
Annual dividend / share	$0.02	$4.30 ✓
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	-50%	0% ✓
Portfolio after 10y	$19.8K	$25.3K ✓
Annual income after 10y	$0.05	$3,219.02 ✓
Total dividends collected	$52.00 ✓	$19.6K
Payment frequency	quarterly	monthly
Sector	Stock	ETF

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

Year	ILPMY Portfolio	ILPMY Income/yr	XYLD Portfolio	XYLD Income/yr	Gap
1← crossover	$10,726	$25.77	$10,818	$1,098.39	$92.00 → XYLD
2	$11,489	$12.92	$11,738	$1,222.51	$249.00 → XYLD
3	$12,300	$6.47	$12,774	$1,364.64	$474.00 → XYLD
4	$13,164	$3.23	$13,944	$1,527.86	$780.00 → XYLD
5	$14,088	$1.62	$15,270	$1,715.87	$1.2K → XYLD
6	$15,075	$0.81	$16,775	$1,933.09	$1.7K → XYLD
7	$16,130	$0.40	$18,490	$2,184.87	$2.4K → XYLD
8	$17,259	$0.20	$20,450	$2,477.63	$3.2K → XYLD
9	$18,468	$0.10	$22,697	$2,819.19	$4.2K → XYLD
10	$19,761	$0.05	$25,280	$3,219.02	$5.5K → XYLD

ILPMY vs XYLD: 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 →

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.