Is IVREF or XYLD a better dividend investment in 2026?

IVREF currently yields 4.16% 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 IVREF and XYLD?

IVREF has a forward dividend yield of 4.16% ($0.03/share annually). XYLD yields 10.98% ($4.30/share annually). The yield gap is 6.82 percentage points.

Home › Compare › IVREF vs XYLD

IVREF vs XYLD: Dividend Comparison 2026

IVREF yields 4.16% · XYLD yields 10.98%● Live data

vsPost on X →

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

🏆 XYLD wins by $4.9K in total portfolio value· pulled ahead in Year 3

INVESTMENT

TIME HORIZON10 years

IVREF

● Live price

4.16%

Share price

$0.80

Annual div

$0.03

5Y div CAGR

-50%

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$20.4K

Annual income

$0.42

Full IVREF 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 — IVREF vs XYLD

📍 XYLD pulled ahead of the other in Year 3

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	IVREF	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, IVREF + XYLD cover 0 of 12 months — good coverage

Jan

—

Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

IVREF pays

XYLD pays

Both pay

Neither

💰

Tax Bracket Optimizer

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

IVREF

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

$353.40/yr

After 10yr DRIP, annual income (after tax)

$0.36/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 $2,735.81/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 IVREF + XYLD for your $10,000?

IVREF: 50%XYLD: 50%

100% XYLD50/50100% IVREF

Portfolio after 10yr

$22.8K

Annual income

$1,609.72/yr

Blended yield

7.05%

📊

Analyst Conviction Gap

Where Wall Street is split right now

IVREF

Analyst Ratings

Hold

Consensus: Hold

Altman Z

-1.0

Piotroski

4/9

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.

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

IVREF buys

XYLD buys

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

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

MetricIVREFXYLD

Forward yield	4.16%	10.98% ✓
Annual dividend / share	$0.03	$4.30 ✓
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	-50%	0% ✓
Portfolio after 10y	$20.4K	$25.3K ✓
Annual income after 10y	$0.42	$3,219.02 ✓
Total dividends collected	$421.00 ✓	$19.6K
Payment frequency	quarterly	monthly
Sector	Stock	ETF

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

Year	IVREF Portfolio	IVREF Income/yr	XYLD Portfolio	XYLD Income/yr	Gap
1	$10,908	$207.88	$10,818	$1,098.39	+$90.00 → IVREF
2	$11,777	$105.96	$11,738	$1,222.51	+$39.00 → IVREF
3← crossover	$12,655	$53.46	$12,774	$1,364.64	$119.00 → XYLD
4	$13,568	$26.84	$13,944	$1,527.86	$376.00 → XYLD
5	$14,531	$13.45	$15,270	$1,715.87	$739.00 → XYLD
6	$15,555	$6.73	$16,775	$1,933.09	$1.2K → XYLD
7	$16,647	$3.37	$18,490	$2,184.87	$1.8K → XYLD
8	$17,814	$1.68	$20,450	$2,477.63	$2.6K → XYLD
9	$19,062	$0.84	$22,697	$2,819.19	$3.6K → XYLD
10	$20,397	$0.42	$25,280	$3,219.02	$4.9K → XYLD

IVREF vs XYLD: Complete Analysis 2026

IVREF — Stock

Inovalis Real Estate Investment Trust is an unincorporated, open-ended real estate investment trust established pursuant to a declaration of trust under the laws of the Province of Ontario. The REIT has been created for the purpose of acquiring and owning office properties primarily located in France and Germany but also opportunistically in other European countries where assets meet the REIT's investment criteria.

Full IVREF 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.