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MCDIF vs RYLD: Dividend Comparison 2026

MCDIF yields 7.69% · RYLD yields 4.00%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 MCDIF wins by $5.2K in total portfolio value
10 years
MCDIF
MCDIF
● Live price
7.69%
Share price
$26.00
Annual div
$2.00
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$33.3K
Annual income
$1,252.29
Full MCDIF calculator →
RYLD
RYLD
● Live price
4.00%
Share price
$50.00
Annual div
$2.00
5Y div CAGR
5%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$28.0K
Annual income
$899.19
Full RYLD calculator →

Portfolio growth — MCDIF vs RYLD

📍 MCDIF 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 PeriodMCDIFRYLD
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, MCDIF + RYLD cover 0 of 12 months — good coverage

Jan
—
Feb
—
Mar
—
Apr
—
May
—
Jun
—
Jul
—
Aug
—
Sep
—
Oct
—
Nov
—
Dec
—
MCDIF pays
RYLD pays
Both pay
Neither
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Tax Bracket Optimizer

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

MCDIF
Annual income on $10K today (after 15% tax)
$653.85/yr
After 10yr DRIP, annual income (after tax)
$1,064.45/yr
RYLD
Annual income on $10K today (after 15% tax)
$340.00/yr
After 10yr DRIP, annual income (after tax)
$764.31/yr
At 15% tax rate, MCDIF beats the other by $300.14/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of MCDIF + RYLD for your $10,000?

MCDIF: 50%RYLD: 50%
100% RYLD50/50100% MCDIF
Portfolio after 10yr
$30.7K
Annual income
$1,075.74/yr
Blended yield
3.51%
🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

MCDIF buys
0
RYLD buys
0
No recent congressional trades found for MCDIF or RYLD in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricMCDIFRYLD
Forward yield7.69% ✓4.00%
Annual dividend / share$2.00$2.00
Payout ratio50%50%
1-year div growth0%5% ✓
5-year div CAGR0%5% ✓
Portfolio after 10y$33.3K ✓$28.0K
Annual income after 10y$1,252.29 ✓$899.19
Total dividends collected$10.1K ✓$6.4K
Payment frequencyquarterlyquarterly
SectorStockETF

Year-by-year: MCDIF vs RYLD ($10,000, DRIP)

YearMCDIF PortfolioMCDIF Income/yrRYLD PortfolioRYLD Income/yrGap
1← crossover$11,469$769.23$11,120$420.00+$349.00 → MCDIF
2$13,097$824.53$12,357$458.31+$740.00 → MCDIF
3$14,893$879.93$13,721$499.76+$1.2K → MCDIF
4$16,871$935.18$15,227$544.58+$1.6K → MCDIF
5$19,042$990.06$16,885$593.02+$2.2K → MCDIF
6$21,419$1,044.36$18,713$645.34+$2.7K → MCDIF
7$24,017$1,097.89$20,724$701.81+$3.3K → MCDIF
8$26,848$1,150.49$22,938$762.73+$3.9K → MCDIF
9$29,930$1,201.99$25,372$828.41+$4.6K → MCDIF
10$33,277$1,252.29$28,047$899.19+$5.2K → MCDIF

MCDIF vs RYLD: Complete Analysis 2026

MCDIF — Stock

McDermott International Ltd. provides engineering and construction solutions to the energy industry worldwide. It offers integrated engineering, procurement, construction, and installation services for offshore field developments. The company is also involved in the concept development, design, fabrication, construction, commissioning, start-up, and operation of liquefied natural gas facilities; and designing and building of downstream oil and gas processing facilities, storage facilities, tanks, and terminals. In addition, it provides design, engineering, procurement, fabrication, construction, and commissioning services for natural gas, solid-fuel, and renewable generating facilities. The company was incorporated in 2020 and is based in Houston, Texas.

Full MCDIF Calculator →

RYLD — ETF

RYLD is a dividend-paying stock. Use this calculator to estimate your future dividend income, DRIP compounding returns, and passive income potential from investing in RYLD shares.

Full RYLD 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.