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ITOT vs XYLD: Dividend Comparison 2026

ITOT yields 1.13% · XYLD yields 10.98%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 XYLD wins by $4.0K in total portfolio value
10 years
ITOT
ITOT
● Live price
1.13%
Share price
$142.43
Annual div
$1.61
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$21.3K
Annual income
$121.87
Full ITOT 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
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$25.3K
Annual income
$3,219.02
Full XYLD calculator →

Portfolio growth — ITOT 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 PeriodITOTXYLD
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, ITOT + XYLD cover 0 of 12 months — good coverage

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

Tax Bracket Optimizer

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

ITOT
Annual income on $10K today (after 15% tax)
$96.25/yr
After 10yr DRIP, annual income (after tax)
$103.59/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 $2,632.58/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of ITOT + XYLD for your $10,000?

ITOT: 50%XYLD: 50%
100% XYLD50/50100% ITOT
Portfolio after 10yr
$23.3K
Annual income
$1,670.44/yr
Blended yield
7.17%
🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

ITOT buys
0
XYLD buys
0
No recent congressional trades found for ITOT or XYLD in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricITOTXYLD
Forward yield1.13%10.98% ✓
Annual dividend / share$1.61$4.30 ✓
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR0%0%
Portfolio after 10y$21.3K$25.3K ✓
Annual income after 10y$121.87$3,219.02 ✓
Total dividends collected$1.2K$19.6K ✓
Payment frequencyquarterlymonthly
SectorStockETF

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

YearITOT PortfolioITOT Income/yrXYLD PortfolioXYLD Income/yrGap
1← crossover$10,813$113.24$10,818$1,098.39$5.00 → XYLD
2$11,685$114.43$11,738$1,222.51$53.00 → XYLD
3$12,618$115.57$12,774$1,364.64$156.00 → XYLD
4$13,618$116.63$13,944$1,527.86$326.00 → XYLD
5$14,689$117.64$15,270$1,715.87$581.00 → XYLD
6$15,836$118.59$16,775$1,933.09$939.00 → XYLD
7$17,064$119.49$18,490$2,184.87$1.4K → XYLD
8$18,378$120.33$20,450$2,477.63$2.1K → XYLD
9$19,786$121.12$22,697$2,819.19$2.9K → XYLD
10$21,293$121.87$25,280$3,219.02$4.0K → XYLD

ITOT vs XYLD: Complete Analysis 2026

ITOT — Stock

The iShares Core S&P Total U.S. Stock Market ETF seeks to track the investment results of a broad-based index composed of U.S. equities.

Full ITOT 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.