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MMKT vs XYLD: Dividend Comparison 2026

MMKT yields 3.85% · XYLD yields 10.98%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 MMKT wins by $403.00 in total portfolio value
10 years
MMKT
MMKT
● Live price
3.85%
Share price
$100.22
Annual div
$3.86
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$25.7K
Annual income
$492.96
Full MMKT 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
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$25.3K
Annual income
$3,219.02
Full XYLD calculator →

Portfolio growth — MMKT vs XYLD

📍 MMKT 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 PeriodMMKTXYLD
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, MMKT + XYLD cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
MMKT pays
XYLD pays
Both pay
Neither
💰

Tax Bracket Optimizer

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

MMKT
Annual income on $10K today (after 15% tax)
$327.22/yr
After 10yr DRIP, annual income (after tax)
$419.02/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 $2,317.15/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

MMKT: 50%XYLD: 50%
100% XYLD50/50100% MMKT
Portfolio after 10yr
$25.5K
Annual income
$1,855.99/yr
Blended yield
7.28%
🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

MMKT buys
0
XYLD buys
0
No recent congressional trades found for MMKT or XYLD in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricMMKTXYLD
Forward yield3.85%10.98%
Annual dividend / share$3.86$4.30
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR0%0%
Portfolio after 10y$25.7K$25.3K
Annual income after 10y$492.96$3,219.02
Total dividends collected$4.4K$19.6K
Payment frequencyquarterlymonthly
SectorStockETF

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

YearMMKT PortfolioMMKT Income/yrXYLD PortfolioXYLD Income/yrGap
1← crossover$11,085$384.96$10,818$1,098.39+$267.00MMKT
2$12,260$398.81$11,738$1,222.51+$522.00MMKT
3$13,530$412.22$12,774$1,364.64+$756.00MMKT
4$14,902$425.18$13,944$1,527.86+$958.00MMKT
5$16,383$437.66$15,270$1,715.87+$1.1KMMKT
6$17,980$449.67$16,775$1,933.09+$1.2KMMKT
7$19,700$461.21$18,490$2,184.87+$1.2KMMKT
8$21,551$472.27$20,450$2,477.63+$1.1KMMKT
9$23,542$482.85$22,697$2,819.19+$845.00MMKT
10$25,683$492.96$25,280$3,219.02+$403.00MMKT

MMKT vs XYLD: Complete Analysis 2026

MMKTStock

MMKT is the first ETF to comply with Rule 2a-7 of the 1940 Act, technically qualifying as a government money market fund. The rule is designed to preserve stability and liquidity, ensuring that redemption requests can be fulfilled. However, MMKT will not maintain a stable net asset value (NAV) of $1. The fund will allocate at least 99.5% of its assets to cash, US government securities, or fully collateralized repurchase agreements. The objective is to generate competitive yields while preserving capital. Note that a significant portion of the funds assets are overnight repurchase agreements, and income from these may not be exempt from state and local taxes, which could affect the after-tax yield compared to traditional government securities.

Full MMKT Calculator →

XYLDETF

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.