Is JPHY or XYLD a better dividend investment in 2026?

JPHY currently yields 4.39% with a 5% 5-year dividend growth rate. XYLD yields 11.20% with 0.5% growth. The better choice depends on your goal: XYLD offers higher current income.

What is the dividend yield difference between JPHY and XYLD?

JPHY has a forward dividend yield of 4.39% ($2.20/share annually). XYLD yields 11.20% ($4.30/share annually). The yield gap is 6.81 percentage points.

Home › Compare › JPHY vs XYLD

JPHY vs XYLD: Dividend Comparison 2026

JPHY yields 4.39% · XYLD yields 11.20%● Live data

vsPost on X →

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

🏆 JPHY wins by $777.00 in total portfolio value

INVESTMENT

TIME HORIZON10 years

JPHY

● Live price

4.39%

Share price

$50.15

Annual div

$2.20

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$26.6K

Annual income

$581.18

Full JPHY calculator →

XYLD

Global X S&P 500 Covered Call ETF

● Live price

11.20%

Share price

$38.36

Annual div

$4.30

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$25.9K

Annual income

$3,351.03

Full XYLD calculator →

Portfolio growth — JPHY vs XYLD

📍 JPHY 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	JPHY	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%.

📅

Dividend Calendar Overlap

Combined, JPHY + XYLD cover 0 of 12 months — good coverage

Jan

—

Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

JPHY pays

XYLD pays

Both pay

Neither

💰

Tax Bracket Optimizer

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

JPHY

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

$372.89/yr

After 10yr DRIP, annual income (after tax)

$494.00/yr

XYLD

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

$952.37/yr

After 10yr DRIP, annual income (after tax)

$2,848.38/yr

At 15% tax rate, XYLD beats the other by $2,354.37/year in after-tax income after 10 years on $10,000

⚖️

Lazy Portfolio Split Optimizer

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

JPHY: 50%XYLD: 50%

100% XYLD50/50100% JPHY

Portfolio after 10yr

$26.3K

Annual income

$1,966.10/yr

Blended yield

7.49%

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

JPHY buys

XYLD buys

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

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

MetricJPHYXYLD

Forward yield	4.39%	11.20% ✓
Annual dividend / share	$2.20	$4.30 ✓
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	0%	0%
Portfolio after 10y	$26.6K ✓	$25.9K
Annual income after 10y	$581.18	$3,351.03 ✓
Total dividends collected	$5.1K	$20.2K ✓
Payment frequency	quarterly	monthly
Sector	Stock	ETF

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

Year	JPHY Portfolio	JPHY Income/yr	XYLD Portfolio	XYLD Income/yr	Gap
1← crossover	$11,139	$438.70	$10,840	$1,120.44	+$299.00 → JPHY
2	$12,375	$456.69	$11,786	$1,249.59	+$589.00 → JPHY
3	$13,716	$474.19	$12,854	$1,397.78	+$862.00 → JPHY
4	$15,167	$491.17	$14,063	$1,568.33	+$1.1K → JPHY
5	$16,736	$507.61	$15,434	$1,765.19	+$1.3K → JPHY
6	$18,431	$523.48	$16,995	$1,993.14	+$1.4K → JPHY
7	$20,260	$538.79	$18,777	$2,257.95	+$1.5K → JPHY
8	$22,232	$553.50	$20,818	$2,566.58	+$1.4K → JPHY
9	$24,356	$567.64	$23,163	$2,927.50	+$1.2K → JPHY
10	$26,642	$581.18	$25,865	$3,351.03	+$777.00 → JPHY

JPHY vs XYLD: Complete Analysis 2026

JPHY — Stock

The fund invests primarily in high yield, high risk debt securities. Under normal circumstances, it invests at least 80% of its assets in high yield securities. For purposes of this policy, "assets" means net assets plus the amount of borrowings for investment purposes. The fund may invest up to 100% of its total assets in below investment grade or unrated securities.

Full JPHY 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 →

📬

Get this JPHY vs XYLD comparison by email

Save your analysis + weekly dividend insights. Free forever.

More comparisons

JPHY vs SCHD JPHY vs JEPI JPHY vs O JPHY vs KO JPHY vs MAIN JPHY vs QYLD JPHY vs JEPQ JPHY 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.