Is JRFIF or XYLD a better dividend investment in 2026?

JRFIF currently yields 5.38% 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 JRFIF and XYLD?

JRFIF has a forward dividend yield of 5.38% ($33.60/share annually). XYLD yields 10.98% ($4.30/share annually). The yield gap is 5.60 percentage points.

Home › Compare › JRFIF vs XYLD

JRFIF vs XYLD: Dividend Comparison 2026

JRFIF yields 5.38% · XYLD yields 10.98%● Live data

vsPost on X →

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

🏆 JRFIF wins by $308.9K in total portfolio value

INVESTMENT

TIME HORIZON10 years

JRFIF

● Live price

5.38%

Share price

$623.98

Annual div

$33.60

5Y div CAGR

42.2%

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$334.2K

Annual income

$160,603.62

Full JRFIF 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 — JRFIF vs XYLD

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

Jan

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Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

JRFIF 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.

JRFIF

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

$457.65/yr

After 10yr DRIP, annual income (after tax)

$136,513.08/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, JRFIF beats the other by $133,776.91/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 JRFIF + XYLD for your $10,000?

JRFIF: 50%XYLD: 50%

100% XYLD50/50100% JRFIF

Portfolio after 10yr

$179.7K

Annual income

$81,911.32/yr

Blended yield

45.57%

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Analyst Conviction Gap

Where Wall Street is most bullish on JRFIF right now

JRFIF

Analyst Ratings

Buy

Consensus: Buy

Altman Z

1.0

Piotroski

7/9

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.

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Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

JRFIF buys

XYLD buys

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

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

MetricJRFIFXYLD

Forward yield	5.38%	10.98% ✓
Annual dividend / share	$33.60 ✓	$4.30
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	42.2% ✓	0%
Portfolio after 10y	$334.2K ✓	$25.3K
Annual income after 10y	$160,603.62 ✓	$3,219.02
Total dividends collected	$293.3K ✓	$19.6K
Payment frequency	quarterly	monthly
Sector	Stock	ETF

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

Year	JRFIF Portfolio	JRFIF Income/yr	XYLD Portfolio	XYLD Income/yr	Gap
1← crossover	$11,466	$765.62	$10,818	$1,098.39	+$648.00 → JRFIF
2	$13,435	$1,166.61	$11,738	$1,222.51	+$1.7K → JRFIF
3	$16,192	$1,816.67	$12,774	$1,364.64	+$3.4K → JRFIF
4	$20,235	$2,909.76	$13,944	$1,527.86	+$6.3K → JRFIF
5	$26,484	$4,832.60	$15,270	$1,715.87	+$11.2K → JRFIF
6	$36,744	$8,405.77	$16,775	$1,933.09	+$20.0K → JRFIF
7	$54,814	$15,498.55	$18,490	$2,184.87	+$36.3K → JRFIF
8	$89,378	$30,726.82	$20,450	$2,477.63	+$68.9K → JRFIF
9	$162,219	$66,584.06	$22,697	$2,819.19	+$139.5K → JRFIF
10	$334,178	$160,603.62	$25,280	$3,219.02	+$308.9K → JRFIF

JRFIF vs XYLD: Complete Analysis 2026

JRFIF — Stock

Japan Retail Fund Investment Corporation (JRF) has been listed on the Real Estate Investment Trust ("REIT") Section on the Tokyo Stock Exchange (Securities code: 8953) since March 2002. It was the first investment corporation in Japan to specifically target retail property assets. As the largest J-REIT that specializes in retail properties, JRF will strive to secure stable distributions for its unitholders and steady increases in the value of its property portfolio through selective acquisitions of prime retail properties.

Full JRFIF 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.