Is IRL or RYLD a better dividend investment in 2026?

IRL currently yields 1.92% with a 5% 5-year dividend growth rate. RYLD yields 12.39% with 5% growth. The better choice depends on your goal: RYLD offers higher current income.

What is the dividend yield difference between IRL and RYLD?

IRL has a forward dividend yield of 1.92% ($0.20/share annually). RYLD yields 12.39% ($1.81/share annually). The yield gap is 10.47 percentage points.

Home › Compare › IRL vs RYLD

IRL vs RYLD: Dividend Comparison 2026

IRL yields 1.92% · RYLD yields 12.39%● Live data

vsPost on X →

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

🏆 IRL wins by $54.31M in total portfolio value· pulled ahead in Year 4

INVESTMENT

TIME HORIZON10 years

IRL

● Live price

1.92%

Share price

$10.41

Annual div

$0.20

5Y div CAGR

100%

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$54.35M

Annual income

$49,418,680.20

Full IRL calculator →

RYLD

● Live price

12.39%

Share price

$14.64

Annual div

$1.81

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$45.3K

Annual income

$2,682.98

Full RYLD calculator →

Portfolio growth — IRL vs RYLD

📍 IRL 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	IRL	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, IRL + RYLD cover 0 of 12 months — good coverage

Jan

—

Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

IRL 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.

IRL

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

$163.55/yr

After 10yr DRIP, annual income (after tax)

$42,005,878.17/yr

RYLD

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

$1,053.44/yr

After 10yr DRIP, annual income (after tax)

$2,280.53/yr

At 15% tax rate, IRL beats the other by $42,003,597.64/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 IRL + RYLD for your $10,000?

IRL: 50%RYLD: 50%

100% RYLD50/50100% IRL

Portfolio after 10yr

$27.20M

Annual income

$24,710,681.59/yr

Blended yield

90.85%

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

IRL buys

RYLD buys

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

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

MetricIRLRYLD

Forward yield	1.92%	12.39% ✓
Annual dividend / share	$0.20	$1.81 ✓
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	100% ✓	0%
Portfolio after 10y	$54.35M ✓	$45.3K
Annual income after 10y	$49,418,680.20 ✓	$2,682.98
Total dividends collected	$53.95M ✓	$19.4K
Payment frequency	quarterly	quarterly
Sector	Stock	ETF

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

Year	IRL Portfolio	IRL Income/yr	RYLD Portfolio	RYLD Income/yr	Gap
1	$11,085	$384.82	$11,939	$1,239.34	$854.00 → RYLD
2	$12,658	$797.32	$14,158	$1,382.89	$1.5K → RYLD
3	$15,246	$1,701.85	$16,682	$1,532.59	$1.4K → RYLD
4← crossover	$20,145	$3,831.38	$19,537	$1,687.64	+$608.00 → IRL
5	$31,017	$9,462.45	$22,752	$1,847.20	+$8.3K → IRL
6	$60,421	$27,232.87	$26,355	$2,010.43	+$34.1K → IRL
7	$163,809	$99,157.86	$30,376	$2,176.45	+$133.4K → IRL
8	$677,757	$502,481.85	$34,847	$2,344.43	+$642.9K → IRL
9	$4,611,211	$3,886,010.67	$39,800	$2,513.54	+$4.57M → IRL
10	$54,352,676	$49,418,680.20	$45,269	$2,682.98	+$54.31M → IRL

IRL vs RYLD: Complete Analysis 2026

IRL — Stock

The New Ireland Fund, Inc. is a close-ended balanced mutual fund launched by Bank of Ireland Asset Management (U.S.) Limited. It is managed by Kleinwort Benson Investors International Ltd. The fund invests in the public equity and fixed income markets of the Ireland. It seeks to invest in growth stocks of companies operating across diversified sectors. The fund benchmarks the performance of its portfolio against the ISEQ Index. It was formerly known as Irish Investment Fund Inc. The New Ireland Fund, Inc. was formed on December 14, 1989 and is domiciled in the United States.

Full IRL 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.