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MCDFX vs XYLD: Dividend Comparison 2026

MCDFX yields 3.84% · XYLD yields 9.02%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 MCDFX wins by $4.5K in total portfolio value
10 years
MCDFX
MCDFX
● Live price
3.84%
Share price
$15.47
Annual div
$0.59
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$25.7K
Annual income
$490.71
Full MCDFX calculator →
XYLD
Global X S&P 500 Covered Call ETF
● Live price
9.02%
Share price
$38.60
Annual div
$3.48
5Y div CAGR
0.5%
Payout ratio
90%
After 10 yrs · $10,000 · DRIP
Portfolio value
$21.1K
Annual income
$2,363.75
Full XYLD calculator →

Portfolio growth — MCDFX vs XYLD

📍 MCDFX 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 PeriodMCDFXXYLD
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, MCDFX + XYLD cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
MCDFX 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.

MCDFX
Annual income on $10K today (after 15% tax)
$326.02/yr
After 10yr DRIP, annual income (after tax)
$417.10/yr
XYLD
Annual income on $10K today (after 15% tax)
$766.32/yr
After 10yr DRIP, annual income (after tax)
$2,009.19/yr
At 15% tax rate, XYLD beats the other by $1,592.08/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

MCDFX: 50%XYLD: 50%
100% XYLD50/50100% MCDFX
Portfolio after 10yr
$23.4K
Annual income
$1,427.23/yr
Blended yield
6.10%
🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

MCDFX buys
0
XYLD buys
0
No recent congressional trades found for MCDFX or XYLD in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricMCDFXXYLD
Forward yield3.84%9.02%
Annual dividend / share$0.59$3.48
Payout ratio50%90%
1-year div growth0%-2.1%
5-year div CAGR0%0.5%
Portfolio after 10y$25.7K$21.1K
Annual income after 10y$490.71$2,363.75
Total dividends collected$4.4K$15.0K
Payment frequencyquarterlymonthly
SectorStockETF

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

YearMCDFX PortfolioMCDFX Income/yrXYLD PortfolioXYLD Income/yrGap
1← crossover$11,084$383.55$10,626$906.06+$458.00MCDFX
2$12,257$397.30$11,324$995.47+$933.00MCDFX
3$13,525$410.61$12,104$1,096.88+$1.4KMCDFX
4$14,896$423.46$12,977$1,212.21+$1.9KMCDFX
5$16,374$435.85$13,958$1,343.80+$2.4KMCDFX
6$17,968$447.77$15,061$1,494.40+$2.9KMCDFX
7$19,685$459.22$16,307$1,667.30+$3.4KMCDFX
8$21,533$470.19$17,717$1,866.48+$3.8KMCDFX
9$23,521$480.68$19,317$2,096.71+$4.2KMCDFX
10$25,658$490.71$21,140$2,363.75+$4.5KMCDFX

MCDFX vs XYLD: Complete Analysis 2026

MCDFXStock

The investment seeks total return with an emphasis on providing current income. Under normal circumstances, the fund seeks to achieve its investment objective by investing at least 80% of its net assets, which include borrowings for investment purposes, in dividend-paying equity securities of companies located in China. It may also invest in convertible debt and equity securities of any maturity and quality, including those that are unrated, or would be below investment grade if rated, of companies located in China. China also includes its administrative and other districts, such as Hong Kong.

Full MCDFX Calculator →

XYLDETF

XYLD sells covered calls on the S&P 500, converting equity volatility into monthly income. Yields 8-10% depending on market conditions. Similar to QYLD but with S&P 500 exposure — less volatile but comparable income mechanics. Popular for retirement income portfolios alongside other dividend ETFs.

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.