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ISMD vs RYLD: Dividend Comparison 2026

ISMD yields 1.11% · RYLD yields 4.00%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 RYLD wins by $6.8K in total portfolio value
10 years
ISMD
ISMD
● Live price
1.11%
Share price
$39.97
Annual div
$0.44
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$21.3K
Annual income
$119.07
Full ISMD calculator →
RYLD
RYLD
● Live price
4.00%
Share price
$50.00
Annual div
$2.00
5Y div CAGR
5%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$28.0K
Annual income
$899.19
Full RYLD calculator →

Portfolio growth — ISMD vs RYLD

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

Jan
—
Feb
—
Mar
—
Apr
—
May
—
Jun
—
Jul
—
Aug
—
Sep
—
Oct
—
Nov
—
Dec
—
ISMD pays
RYLD pays
Both pay
Neither
💰

Tax Bracket Optimizer

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

ISMD
Annual income on $10K today (after 15% tax)
$94.19/yr
After 10yr DRIP, annual income (after tax)
$101.21/yr
RYLD
Annual income on $10K today (after 15% tax)
$340.00/yr
After 10yr DRIP, annual income (after tax)
$764.31/yr
At 15% tax rate, RYLD beats the other by $663.10/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of ISMD + RYLD for your $10,000?

ISMD: 50%RYLD: 50%
100% RYLD50/50100% ISMD
Portfolio after 10yr
$24.7K
Annual income
$509.13/yr
Blended yield
2.07%
🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

ISMD buys
0
RYLD buys
0
No recent congressional trades found for ISMD or RYLD in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricISMDRYLD
Forward yield1.11%4.00% ✓
Annual dividend / share$0.44$2.00 ✓
Payout ratio50%50%
1-year div growth0%5% ✓
5-year div CAGR0%5% ✓
Portfolio after 10y$21.3K$28.0K ✓
Annual income after 10y$119.07$899.19 ✓
Total dividends collected$1.2K$6.4K ✓
Payment frequencyquarterlyquarterly
SectorStockETF

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

YearISMD PortfolioISMD Income/yrRYLD PortfolioRYLD Income/yrGap
1← crossover$10,811$110.81$11,120$420.00$309.00 → RYLD
2$11,680$111.96$12,357$458.31$677.00 → RYLD
3$12,610$113.04$13,721$499.76$1.1K → RYLD
4$13,607$114.06$15,227$544.58$1.6K → RYLD
5$14,674$115.03$16,885$593.02$2.2K → RYLD
6$15,818$115.93$18,713$645.34$2.9K → RYLD
7$17,042$116.79$20,724$701.81$3.7K → RYLD
8$18,352$117.60$22,938$762.73$4.6K → RYLD
9$19,755$118.35$25,372$828.41$5.6K → RYLD
10$21,257$119.07$28,047$899.19$6.8K → RYLD

ISMD vs RYLD: Complete Analysis 2026

ISMD — Stock

Inspire Small/Mid Cap ETF invests into inspiring, biblically aligned small and mid-sized companies from the United States as determined by Inspire Impact Scores greater than or equal to zero.

Full ISMD Calculator →

RYLD — ETF

RYLD is a dividend-paying stock. Use this calculator to estimate your future dividend income, DRIP compounding returns, and passive income potential from investing in RYLD shares.

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.