Is IRLTF or QYLD a better dividend investment in 2026?

IRLTF currently yields 181.80% with a 5% 5-year dividend growth rate. QYLD yields 11.92% with -2.1% growth. The better choice depends on your goal: IRLTF offers higher current income.

What is the dividend yield difference between IRLTF and QYLD?

IRLTF has a forward dividend yield of 181.80% ($2.00/share annually). QYLD yields 11.92% ($2.04/share annually). The yield gap is 169.88 percentage points.

Home › Compare › IRLTF vs QYLD

IRLTF vs QYLD: Dividend Comparison 2026

IRLTF yields 181.80% · QYLD yields 11.92%● Live data

vsPost on X →

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

🏆 IRLTF wins by $45.1K in total portfolio value

INVESTMENT

TIME HORIZON10 years

IRLTF

● Live price

181.80%

Share price

$1.10

Annual div

$2.00

5Y div CAGR

-50%

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$70.5K

Annual income

$63.59

Full IRLTF 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 — IRLTF vs QYLD

📍 IRLTF 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	IRLTF	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, IRLTF + QYLD cover 0 of 12 months — good coverage

Jan

—

Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

IRLTF pays

QYLD pays

Both pay

Neither

💰

Tax Bracket Optimizer

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

IRLTF

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

$15,453.14/yr

After 10yr DRIP, annual income (after tax)

$54.05/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 $4,756.36/year in after-tax income after 10 years on $10,000

⚖️

Lazy Portfolio Split Optimizer

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

IRLTF: 50%QYLD: 50%

100% QYLD50/50100% IRLTF

Portfolio after 10yr

$48.0K

Annual income

$2,861.46/yr

Blended yield

5.97%

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

IRLTF buys

QYLD buys

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

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

MetricIRLTFQYLD

Forward yield	181.80% ✓	11.92%
Annual dividend / share	$2.00	$2.04 ✓
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	-50%	0% ✓
Portfolio after 10y	$70.5K ✓	$25.4K
Annual income after 10y	$63.59	$5,659.31 ✓
Total dividends collected	$30.7K ✓	$27.1K
Payment frequency	quarterly	monthly
Sector	Stock	ETF

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

Year	IRLTF Portfolio	IRLTF Income/yr	QYLD Portfolio	QYLD Income/yr	Gap
1← crossover	$19,790	$9,090.08	$10,352	$1,192.36	+$9.4K → IRLTF
2	$29,582	$8,406.24	$10,830	$1,347.57	+$18.8K → IRLTF
3	$37,524	$5,871.68	$11,460	$1,539.07	+$26.1K → IRLTF
4	$43,631	$3,480.45	$12,275	$1,777.84	+$31.4K → IRLTF
5	$48,576	$1,891.08	$13,323	$2,078.95	+$35.3K → IRLTF
6	$52,961	$983.84	$14,667	$2,463.34	+$38.3K → IRLTF
7	$57,169	$501.23	$16,396	$2,960.57	+$40.8K → IRLTF
8	$61,424	$252.83	$18,631	$3,612.97	+$42.8K → IRLTF
9	$65,850	$126.94	$21,548	$4,482.15	+$44.3K → IRLTF
10	$70,523	$63.59	$25,398	$5,659.31	+$45.1K → IRLTF

IRLTF vs QYLD: Complete Analysis 2026

IRLTF — Stock

Bally’s Intralot SA engages in the gaming organizations across geographies, flexible, stable and secure gaming products and services. It operates through the following geographical segments: European Union, Other Europe, America, and Other Countries. The European Union segment includes Greece, Italy, Malta, Cyprus, Poland, Luxembourg, Spain, United Kingdom, Netherland, Romania, Bulgaria, Germany, Slovakia and Republic of Ireland. The Other Europe segment consists of Russia, Moldova and Croatia. The America segment comprises of USA, Peru, Brazil, Argentina, Mexico, Jamaica, Chile, Colombia, Guatemala, Dominican Republic, Suriname, Uruguay, Curacao and St. Lucia. The Other Countries covers Australia, New Zealand, China, South Africa, Turkey, South Korea, Lebanon, Egypt, Azerbaijan, Taiwan and Morocco. The company was founded by Sokratis Peter Kokkalis in 1992 and is headquartered in Athens, Greece.

Full IRLTF 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 IRLTF vs QYLD comparison by email

Save your analysis + weekly dividend insights. Free forever.

More comparisons

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