Is MONOY or RYLD a better dividend investment in 2026?

MONOY currently yields 1.45% with a 5% 5-year dividend growth rate. RYLD yields 12.14% with 5% growth. The better choice depends on your goal: RYLD offers higher current income.

What is the dividend yield difference between MONOY and RYLD?

MONOY has a forward dividend yield of 1.45% ($0.16/share annually). RYLD yields 12.14% ($1.81/share annually). The yield gap is 10.69 percentage points.

Home › Compare › MONOY vs RYLD

MONOY vs RYLD: Dividend Comparison 2026

MONOY yields 1.45% · RYLD yields 12.14%● Live data

vsPost on X →

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

🏆 MONOY wins by $17.24M in total portfolio value· pulled ahead in Year 5

INVESTMENT

TIME HORIZON10 years

MONOY

● Live price

1.45%

Share price

$10.75

Annual div

$0.16

5Y div CAGR

100%

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$17.29M

Annual income

$15,264,817.39

Full MONOY calculator →

RYLD

● Live price

12.14%

Share price

$14.95

Annual div

$1.81

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$44.5K

Annual income

$2,587.35

Full RYLD calculator →

Portfolio growth — MONOY vs RYLD

📍 MONOY pulled ahead of the other in Year 5

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	MONOY	RYLD
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, MONOY + RYLD cover 0 of 12 months — good coverage

Jan

—

Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

MONOY pays

RYLD pays

Both pay

Neither

💰

Tax Bracket Optimizer

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

MONOY

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

$123.25/yr

After 10yr DRIP, annual income (after tax)

$12,975,094.78/yr

RYLD

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

$1,031.60/yr

After 10yr DRIP, annual income (after tax)

$2,199.25/yr

At 15% tax rate, MONOY beats the other by $12,972,895.53/year in after-tax income after 10 years on $10,000

⚖️

Lazy Portfolio Split Optimizer

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

MONOY: 50%RYLD: 50%

100% RYLD50/50100% MONOY

Portfolio after 10yr

$8.67M

Annual income

$7,633,702.36/yr

Blended yield

88.09%

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

MONOY buys

RYLD buys

No recent congressional trades found for MONOY or RYLD in the last 90 days.

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

MetricMONOYRYLD

Forward yield	1.45%	12.14% ✓
Annual dividend / share	$0.16	$1.81 ✓
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	100% ✓	0%
Portfolio after 10y	$17.29M	$44.5K ✓
Annual income after 10y	$15,264,817.39 ✓	$2,587.35
Total dividends collected	$17.10M	$18.8K ✓
Payment frequency	quarterly	quarterly
Sector	Stock	ETF

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

Year	MONOY Portfolio	MONOY Income/yr	RYLD Portfolio	RYLD Income/yr	Gap
1	$10,990	$290.01	$11,914	$1,213.65	$924.00 → RYLD
2	$12,355	$595.74	$14,099	$1,351.30	$1.7K → RYLD
3	$14,472	$1,251.84	$16,580	$1,494.55	$2.1K → RYLD
4	$18,226	$2,740.76	$19,384	$1,642.61	$1.2K → RYLD
5← crossover	$25,953	$6,451.74	$22,535	$1,794.70	+$3.4K → MONOY
6	$44,942	$17,172.42	$26,063	$1,950.00	+$18.9K → MONOY
7	$103,671	$55,583.19	$29,995	$2,107.69	+$73.7K → MONOY
8	$350,588	$239,659.21	$34,361	$2,266.99	+$316.2K → MONOY
9	$1,890,008	$1,514,879.69	$39,194	$2,427.12	+$1.85M → MONOY
10	$17,287,126	$15,264,817.39	$44,525	$2,587.35	+$17.24M → MONOY

MONOY vs RYLD: Complete Analysis 2026

MONOY — Stock

MonotaRO Co., Ltd., together with its subsidiaries, operates an online MRO products store in Japan and internationally. It offers products in various categories, such as safety protection equipment, work clothes, and safety shoes; logistics, storage, and packing supplies; tapes; safety supplies/safety signs; office supplies; office furniture/lighting/cleaning supplies; cutting tools/abrasives; measurement/surveying supplies; work/electric/pneumatic tools; spray/oil/grease/paint/adhesion/repair/welding supplies; and agricultural materials/gardening supplies. The company also provides building hardware products, building materials, and painting interior supplies; air conditioning/electrical equipment materials/electrical materials; piping/water supply/pump/pneumatic/hydraulic equipment/hose products; mechanical parts; control equipment/solder/static electricity countermeasure supplies; screws/bolts/nails/materials; car/truck supplies; motorcycle/bicycle supplies; kitchen equipment/kitchen products/store supplies; scientific research and development/clean room supplies; and medical/long-term care products. It serves factories, construction, automobile maintenance, and other industries. The company was formerly known as Sumisho Grainger Co., Ltd. and changed its name to MonotaRO Co., Ltd. in 2006. MonotaRO Co., Ltd. was founded in 2000 and is headquartered in Amagasaki, Japan. MonotaRO Co., Ltd. is a subsidiary of Grainger Global Holdings, Inc.

Full MONOY Calculator →

RYLD — ETF

The Global X Russell 2000 Covered Call ETF (RYLD) seeks to provide investment results that correspond generally to the price and yield performance, before fees and expenses, of the Cboe Russell 2000 BuyWrite Index.

Full RYLD Calculator →

📬

Get this MONOY vs RYLD comparison by email

Save your analysis + weekly dividend insights. Free forever.

More comparisons

MONOY vs SCHD MONOY vs JEPI MONOY vs O MONOY vs KO MONOY vs MAIN

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