Home › Compare › MMSD vs QYLD

MMSD vs QYLD: Dividend Comparison 2026

MMSD yields 2.88% · QYLD yields 12.24%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 QYLD wins by $2.5K in total portfolio value· pulled ahead in Year 9
10 years
MMSD
MMSD
● Live price
2.88%
Share price
$25.33
Annual div
$0.73
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$24.0K
Annual income
$347.07
Full MMSD calculator →
QYLD
Global X Nasdaq 100 Covered Call ETF
● Live price
12.24%
Share price
$16.70
Annual div
$2.04
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$26.5K
Annual income
$6,038.84
Full QYLD calculator →

Portfolio growth — MMSD vs QYLD

📍 QYLD pulled ahead of the other in Year 9

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 PeriodMMSDQYLD
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, MMSD + QYLD cover 0 of 12 months — good coverage

Jan
—
Feb
—
Mar
—
Apr
—
May
—
Jun
—
Jul
—
Aug
—
Sep
—
Oct
—
Nov
—
Dec
—
MMSD pays
QYLD pays
Both pay
Neither
💰

Tax Bracket Optimizer

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

MMSD
Annual income on $10K today (after 15% tax)
$244.99/yr
After 10yr DRIP, annual income (after tax)
$295.01/yr
QYLD
Annual income on $10K today (after 15% tax)
$1,040.82/yr
After 10yr DRIP, annual income (after tax)
$5,133.01/yr
At 15% tax rate, QYLD beats the other by $4,838.00/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of MMSD + QYLD for your $10,000?

MMSD: 50%QYLD: 50%
100% QYLD50/50100% MMSD
Portfolio after 10yr
$25.3K
Annual income
$3,192.95/yr
Blended yield
12.62%
🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

MMSD buys
0
QYLD buys
0
No recent congressional trades found for MMSD or QYLD in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricMMSDQYLD
Forward yield2.88%12.24% ✓
Annual dividend / share$0.73$2.04 ✓
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR0%0%
Portfolio after 10y$24.0K$26.5K ✓
Annual income after 10y$347.07$6,038.84 ✓
Total dividends collected$3.2K$28.5K ✓
Payment frequencyquarterlymonthly
SectorStockETF

Year-by-year: MMSD vs QYLD ($10,000, DRIP)

YearMMSD PortfolioMMSD Income/yrQYLD PortfolioQYLD Income/yrGap
1$10,988$288.22$10,384$1,224.49+$604.00 → MMSD
2$12,053$295.98$10,900$1,388.18+$1.2K → MMSD
3$13,201$303.44$11,576$1,590.76+$1.6K → MMSD
4$14,435$310.58$12,447$1,844.20+$2.0K → MMSD
5$15,763$317.40$13,567$2,164.97+$2.2K → MMSD
6$17,190$323.93$15,003$2,576.05+$2.2K → MMSD
7$18,724$330.15$16,853$3,110.04+$1.9K → MMSD
8$20,371$336.07$19,251$3,813.85+$1.1K → MMSD
9← crossover$22,138$341.71$22,390$4,756.08$252.00 → QYLD
10$24,035$347.07$26,548$6,038.84$2.5K → QYLD

MMSD vs QYLD: Complete Analysis 2026

MMSD — Stock

The NYLI MacKay Muni Short Duration ETF (MMSD) seeks to provide current income exempt from regular federal income tax.

Full MMSD Calculator →

QYLD — ETF

The Global X Nasdaq 100 Covered Call ETF (QYLD) seeks to provide investment results that correspond generally to the price and yield performance, before fees and expenses, of the Cboe Nasdaq-100 BuyWrite V2 Index.

Full QYLD Calculator →
📬

Get this MMSD vs QYLD comparison by email

Save your analysis + weekly dividend insights. Free forever.

More comparisons

MMSD vs SCHDMMSD vs JEPIMMSD vs OMMSD vs KOMMSD vs MAINMMSD vs XYLDMMSD vs JEPQMMSD 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.