Is LRCDF or XYLD a better dividend investment in 2026?

LRCDF currently yields 4.61% 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 LRCDF and XYLD?

LRCDF has a forward dividend yield of 4.61% ($1.35/share annually). XYLD yields 10.98% ($4.30/share annually). The yield gap is 6.37 percentage points.

Home › Compare › LRCDF vs XYLD

LRCDF vs XYLD: Dividend Comparison 2026

LRCDF yields 4.61% · XYLD yields 10.98%● Live data

vsPost on X →

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

🏆 XYLD wins by $2.9K in total portfolio value· pulled ahead in Year 7

INVESTMENT

TIME HORIZON10 years

LRCDF

● Live price

4.61%

Share price

$29.29

Annual div

$1.35

5Y div CAGR

-19.4%

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$22.4K

Annual income

$60.66

Full LRCDF 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 — LRCDF vs XYLD

📍 XYLD pulled ahead of the other in Year 7

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

Jan

—

Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

LRCDF pays

XYLD pays

Both pay

Neither

💰

Tax Bracket Optimizer

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

LRCDF

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

$391.94/yr

After 10yr DRIP, annual income (after tax)

$51.56/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 $2,684.61/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 LRCDF + XYLD for your $10,000?

LRCDF: 50%XYLD: 50%

100% XYLD50/50100% LRCDF

Portfolio after 10yr

$23.9K

Annual income

$1,639.84/yr

Blended yield

6.87%

📊

Analyst Conviction Gap

Where Wall Street is split right now

LRCDF

Analyst Ratings

Buy

Sell

Consensus: Buy

Altman Z

-0.0

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.

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Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

LRCDF buys

XYLD buys

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

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

MetricLRCDFXYLD

Forward yield	4.61%	10.98% ✓
Annual dividend / share	$1.35	$4.30 ✓
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	-19.4%	0% ✓
Portfolio after 10y	$22.4K	$25.3K ✓
Annual income after 10y	$60.66	$3,219.02 ✓
Total dividends collected	$1.8K	$19.6K ✓
Payment frequency	quarterly	monthly
Sector	Stock	ETF

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

Year	LRCDF Portfolio	LRCDF Income/yr	XYLD Portfolio	XYLD Income/yr	Gap
1	$11,072	$371.65	$10,818	$1,098.39	+$254.00 → LRCDF
2	$12,157	$309.95	$11,738	$1,222.51	+$419.00 → LRCDF
3	$13,264	$256.36	$12,774	$1,364.64	+$490.00 → LRCDF
4	$14,403	$210.70	$13,944	$1,527.86	+$459.00 → LRCDF
5	$15,584	$172.34	$15,270	$1,715.87	+$314.00 → LRCDF
6	$16,815	$140.46	$16,775	$1,933.09	+$40.00 → LRCDF
7← crossover	$18,106	$114.17	$18,490	$2,184.87	$384.00 → XYLD
8	$19,466	$92.60	$20,450	$2,477.63	$984.00 → XYLD
9	$20,904	$74.99	$22,697	$2,819.19	$1.8K → XYLD
10	$22,428	$60.66	$25,280	$3,219.02	$2.9K → XYLD

LRCDF vs XYLD: Complete Analysis 2026

LRCDF — Stock

Laurentian Bank of Canada, together with its subsidiaries, provides various financial services to personal, business, and institutional customers in Canada and the United States. It operates through three segments: Personal Banking, Commercial Banking, and Capital Markets. The company offers notice, demand, and term deposits; commercial, residential mortgage, and personal loans; real estate, and equipment and inventory financing; and credit life and disability insurance products. It also provides investment securities services; research, market analysis, and advisory services; corporate underwriting services for debt and equity; and administrative, foreign exchange, and trustee services. The company sells its products through the bank's financial clinics, advisors, broker channels, and digital platforms. Laurentian Bank of Canada was founded in 1846 and is headquartered in Montréal, Canada.

Full LRCDF 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.