Is JPPHY or XYLD a better dividend investment in 2026?

JPPHY currently yields 2.61% 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 JPPHY and XYLD?

JPPHY has a forward dividend yield of 2.61% ($0.33/share annually). XYLD yields 10.98% ($4.30/share annually). The yield gap is 8.37 percentage points.

Home › Compare › JPPHY vs XYLD

JPPHY vs XYLD: Dividend Comparison 2026

JPPHY yields 2.61% · XYLD yields 10.98%● Live data

vsPost on X →

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

🏆 XYLD wins by $1.4K in total portfolio value· pulled ahead in Year 8

INVESTMENT

TIME HORIZON10 years

JPPHY

● Live price

2.61%

Share price

$12.65

Annual div

$0.33

5Y div CAGR

1.4%

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$23.9K

Annual income

$358.67

Full JPPHY 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 — JPPHY vs XYLD

📍 XYLD pulled ahead of the other in Year 8

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 Period	JPPHY	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, JPPHY + XYLD cover 0 of 12 months — good coverage

Jan

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Feb

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Mar

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Apr

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May

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Jun

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Jul

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Aug

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Sep

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Oct

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Nov

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Dec

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JPPHY pays

XYLD pays

Both pay

Neither

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Tax Bracket Optimizer

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

JPPHY

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

$221.74/yr

After 10yr DRIP, annual income (after tax)

$304.87/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 $2,431.30/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 JPPHY + XYLD for your $10,000?

JPPHY: 50%XYLD: 50%

100% XYLD50/50100% JPPHY

Portfolio after 10yr

$24.6K

Annual income

$1,788.84/yr

Blended yield

7.28%

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

JPPHY buys

XYLD buys

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

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

MetricJPPHYXYLD

Forward yield	2.61%	10.98% ✓
Annual dividend / share	$0.33	$4.30 ✓
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	1.4% ✓	0%
Portfolio after 10y	$23.9K	$25.3K ✓
Annual income after 10y	$358.67	$3,219.02 ✓
Total dividends collected	$3.1K	$19.6K ✓
Payment frequency	quarterly	monthly
Sector	Stock	ETF

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

Year	JPPHY Portfolio	JPPHY Income/yr	XYLD Portfolio	XYLD Income/yr	Gap
1	$10,965	$264.52	$10,818	$1,098.39	+$147.00 → JPPHY
2	$12,007	$274.86	$11,738	$1,222.51	+$269.00 → JPPHY
3	$13,133	$285.23	$12,774	$1,364.64	+$359.00 → JPPHY
4	$14,348	$295.65	$13,944	$1,527.86	+$404.00 → JPPHY
5	$15,658	$306.09	$15,270	$1,715.87	+$388.00 → JPPHY
6	$17,071	$316.57	$16,775	$1,933.09	+$296.00 → JPPHY
7	$18,593	$327.07	$18,490	$2,184.87	+$103.00 → JPPHY
8← crossover	$20,232	$337.58	$20,450	$2,477.63	$218.00 → XYLD
9	$21,996	$348.12	$22,697	$2,819.19	$701.00 → XYLD
10	$23,894	$358.67	$25,280	$3,219.02	$1.4K → XYLD

JPPHY vs XYLD: Complete Analysis 2026

JPPHY — 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 distribution and delivery; and merchandise sale services, as well as international cargo transport and agency services. In addition, the company offers Yu-Pack, Yu-Mail, and other parcel delivery; deposits, securities investment, remittances, credit card, and personal loans; road, rail, ship, and air transportation; 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, 3PL, and express services. Additionally, it provides contracting, hotel management, and management, investment, financial and management consulting, and telemarketing 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; and operates 3 Teishin hospitals, MIELPARQUE hotels, and 35 Kanpo no Yado inns in Japan. Japan Post Holdings Co., Ltd. was founded in 1871 and is headquartered in Tokyo, Japan.

Full JPPHY 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.