Is MCIYX or XYLD a better dividend investment in 2026?

MCIYX currently yields 15.19% with a 5% 5-year dividend growth rate. XYLD yields 10.98% with 0.5% growth. The better choice depends on your goal: MCIYX offers higher current income.

What is the dividend yield difference between MCIYX and XYLD?

MCIYX has a forward dividend yield of 15.19% ($2.00/share annually). XYLD yields 10.98% ($4.30/share annually). The yield gap is 4.21 percentage points.

Home › Compare › MCIYX vs XYLD

MCIYX vs XYLD: Dividend Comparison 2026

MCIYX yields 15.19% · XYLD yields 10.98%● Live data

vsPost on X →

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

🏆 MCIYX wins by $28.8K in total portfolio value

INVESTMENT

TIME HORIZON10 years

MCIYX

● Live price

15.19%

Share price

$13.17

Annual div

$2.00

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$54.1K

Annual income

$3,877.38

Full MCIYX 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 — MCIYX vs XYLD

📍 MCIYX pulled ahead of the other in Year 1

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	MCIYX	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%.

📅

Dividend Calendar Overlap

Combined, MCIYX + XYLD cover 0 of 12 months — good coverage

Jan

—

Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

MCIYX pays

XYLD pays

Both pay

Neither

💰

Tax Bracket Optimizer

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

MCIYX

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

$1,290.81/yr

After 10yr DRIP, annual income (after tax)

$3,295.77/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, MCIYX beats the other by $559.61/year in after-tax income after 10 years on $10,000

⚖️

Lazy Portfolio Split Optimizer

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

MCIYX: 50%XYLD: 50%

100% XYLD50/50100% MCIYX

Portfolio after 10yr

$39.7K

Annual income

$3,548.20/yr

Blended yield

8.94%

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

MCIYX buys

XYLD buys

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

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

MetricMCIYXXYLD

Forward yield	15.19% ✓	10.98%
Annual dividend / share	$2.00	$4.30 ✓
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	0%	0%
Portfolio after 10y	$54.1K ✓	$25.3K
Annual income after 10y	$3,877.38 ✓	$3,219.02
Total dividends collected	$26.4K ✓	$19.6K
Payment frequency	quarterly	monthly
Sector	Stock	ETF

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

Year	MCIYX Portfolio	MCIYX Income/yr	XYLD Portfolio	XYLD Income/yr	Gap
1← crossover	$12,219	$1,518.60	$10,818	$1,098.39	+$1.4K → MCIYX
2	$14,808	$1,734.13	$11,738	$1,222.51	+$3.1K → MCIYX
3	$17,809	$1,964.15	$12,774	$1,364.64	+$5.0K → MCIYX
4	$21,263	$2,207.63	$13,944	$1,527.86	+$7.3K → MCIYX
5	$25,215	$2,463.39	$15,270	$1,715.87	+$9.9K → MCIYX
6	$29,710	$2,730.11	$16,775	$1,933.09	+$12.9K → MCIYX
7	$34,796	$3,006.38	$18,490	$2,184.87	+$16.3K → MCIYX
8	$40,522	$3,290.69	$20,450	$2,477.63	+$20.1K → MCIYX
9	$46,941	$3,581.54	$22,697	$2,819.19	+$24.2K → MCIYX
10	$54,104	$3,877.38	$25,280	$3,219.02	+$28.8K → MCIYX

MCIYX vs XYLD: Complete Analysis 2026

MCIYX — Stock

The investment seeks to maximize total return consistent with current income. The fund invests at least 80% of its assets in corporate debt securities, including convertible debt securities. Although the fund will invest primarily in U.S. dollar denominated securities with a minimum rating in the lowest investment grade category at the time of purchase, it may invest up to 20% of its assets in debt securities that are below investment grade, also known as high yield securities or "junk bonds," and non-U.S. dollar denominated foreign debt securities.

Full MCIYX 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 →

📬

Get this MCIYX vs XYLD comparison by email

Save your analysis + weekly dividend insights. Free forever.

More comparisons

MCIYX vs SCHD MCIYX vs JEPI MCIYX vs O MCIYX vs KO MCIYX vs MAIN MCIYX vs QYLD MCIYX vs JEPQ MCIYX vs RYLD

⚠️ Educational purposes only. Not financial advice. Congressional trades sourced from SEC STOCK Act filings via FMP. Past performance does not guarantee future results.