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JPHLF vs XYLD: Dividend Comparison 2026

JPHLF yields 2.90% · XYLD yields 10.98%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 XYLD wins by $868.00 in total portfolio value· pulled ahead in Year 9
10 years
JPHLF
JPHLF
● Live price
2.90%
Share price
$11.73
Annual div
$0.34
5Y div CAGR
1.4%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$24.4K
Annual income
$406.57
Full JPHLF 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 — JPHLF vs XYLD

📍 XYLD pulled ahead of the other in Year 9

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 PeriodJPHLFXYLD
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, JPHLF + XYLD cover 0 of 12 months — good coverage

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

Tax Bracket Optimizer

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

JPHLF
Annual income on $10K today (after 15% tax)
$246.44/yr
After 10yr DRIP, annual income (after tax)
$345.58/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 $2,390.58/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

JPHLF: 50%XYLD: 50%
100% XYLD50/50100% JPHLF
Portfolio after 10yr
$24.8K
Annual income
$1,812.80/yr
Blended yield
7.30%
🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

JPHLF buys
0
XYLD buys
0
No recent congressional trades found for JPHLF or XYLD in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricJPHLFXYLD
Forward yield2.90%10.98% ✓
Annual dividend / share$0.34$4.30 ✓
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR1.4% ✓0%
Portfolio after 10y$24.4K$25.3K ✓
Annual income after 10y$406.57$3,219.02 ✓
Total dividends collected$3.5K$19.6K ✓
Payment frequencyquarterlymonthly
SectorStockETF

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

YearJPHLF PortfolioJPHLF Income/yrXYLD PortfolioXYLD Income/yrGap
1$10,994$293.99$10,818$1,098.39+$176.00 → JPHLF
2$12,070$306.29$11,738$1,222.51+$332.00 → JPHLF
3$13,233$318.67$12,774$1,364.64+$459.00 → JPHLF
4$14,491$331.10$13,944$1,527.86+$547.00 → JPHLF
5$15,849$343.59$15,270$1,715.87+$579.00 → JPHLF
6$17,314$356.12$16,775$1,933.09+$539.00 → JPHLF
7$18,895$368.69$18,490$2,184.87+$405.00 → JPHLF
8$20,599$381.29$20,450$2,477.63+$149.00 → JPHLF
9← crossover$22,435$393.92$22,697$2,819.19$262.00 → XYLD
10$24,412$406.57$25,280$3,219.02$868.00 → XYLD

JPHLF vs XYLD: Complete Analysis 2026

JPHLF — Stock

Japan Post Holdings Co., Ltd. provides postal, banking, and insurance services in Japan. The company engages in the postal, banking counter, and insurance counter operations; sale of documentary stamps, petroleum, and catalog products; operations consigned by local government entities; and provision of other bank, and life and non-life insurance agency services. It also provides domestic distribution and delivery; and merchandise sale services, as well as international air cargo transport and agency services. In addition, the company offers Yu-Pack, Yu-Mail, and other parcel delivery; deposits, lending, securities investment, remittances, mortgages, and credit cards; freight forwarding and other logistics; and asset management services. Further, it provides truck cargo transportation, automobile and machinery maintenance, vehicle maintenance and management, post office advertisements posting, automobile liability insurance agency, and express services. Additionally, it offers contracting, hotel management, management, investment, account overdraft guarantee, temporary staffing, office cleaning, telemarketing, and digital-related services. The company also engages in the planning, development, and sale of direct mail; and commissioning of design, development, maintenance, and operation of information systems. In addition, it owns, leases, and manages real estate; develops residential and commercial land; consults, plans and develops business systems and basic technologies; operates 3 Teishin hospitals and 2 hotels; and holds and rents buildings, condominiums, and stores. Japan Post Holdings Co., Ltd. was founded in 1871 and is headquartered in Tokyo, Japan.

Full JPHLF 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.