Is MTOAX or RYLD a better dividend investment in 2026?

MTOAX currently yields 18.85% with a 5% 5-year dividend growth rate. RYLD yields 12.14% with 5% growth. The better choice depends on your goal: MTOAX offers higher current income.

What is the dividend yield difference between MTOAX and RYLD?

MTOAX has a forward dividend yield of 18.85% ($2.00/share annually). RYLD yields 12.14% ($1.81/share annually). The yield gap is 6.71 percentage points.

Home › Compare › MTOAX vs RYLD

MTOAX vs RYLD: Dividend Comparison 2026

MTOAX yields 18.85% · RYLD yields 12.14%● Live data

vsPost on X →

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

🏆 MTOAX wins by $23.5K in total portfolio value

INVESTMENT

TIME HORIZON10 years

MTOAX

● Live price

18.85%

Share price

$10.61

Annual div

$2.00

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$68.0K

Annual income

$5,949.03

Full MTOAX 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 — MTOAX vs RYLD

📍 MTOAX 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 Period	MTOAX	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%.

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Dividend Calendar Overlap

Combined, MTOAX + RYLD cover 0 of 12 months — good coverage

Jan

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Feb

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Mar

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Apr

—

May

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Jun

—

Jul

—

Aug

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Sep

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Oct

—

Nov

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Dec

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MTOAX 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.

MTOAX

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

$1,602.26/yr

After 10yr DRIP, annual income (after tax)

$5,056.68/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, MTOAX beats the other by $2,857.43/year in after-tax income after 10 years on $10,000

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Lazy Portfolio Split Optimizer

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

MTOAX: 50%RYLD: 50%

100% RYLD50/50100% MTOAX

Portfolio after 10yr

$56.3K

Annual income

$4,268.19/yr

Blended yield

7.58%

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

MTOAX buys

RYLD buys

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

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

MetricMTOAXRYLD

Forward yield	18.85% ✓	12.14%
Annual dividend / share	$2.00 ✓	$1.81
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	0%	0%
Portfolio after 10y	$68.0K ✓	$44.5K
Annual income after 10y	$5,949.03 ✓	$2,587.35
Total dividends collected	$37.5K ✓	$18.8K
Payment frequency	quarterly	quarterly
Sector	Stock	ETF

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

Year	MTOAX Portfolio	MTOAX Income/yr	RYLD Portfolio	RYLD Income/yr	Gap
1← crossover	$12,585	$1,885.01	$11,914	$1,213.65	+$671.00 → MTOAX
2	$15,683	$2,217.10	$14,099	$1,351.30	+$1.6K → MTOAX
3	$19,363	$2,582.13	$16,580	$1,494.55	+$2.8K → MTOAX
4	$23,698	$2,979.45	$19,384	$1,642.61	+$4.3K → MTOAX
5	$28,765	$3,407.91	$22,535	$1,794.70	+$6.2K → MTOAX
6	$34,644	$3,865.93	$26,063	$1,950.00	+$8.6K → MTOAX
7	$41,421	$4,351.52	$29,995	$2,107.69	+$11.4K → MTOAX
8	$49,182	$4,862.34	$34,361	$2,266.99	+$14.8K → MTOAX
9	$58,021	$5,395.79	$39,194	$2,427.12	+$18.8K → MTOAX
10	$68,032	$5,949.03	$44,525	$2,587.35	+$23.5K → MTOAX

MTOAX vs RYLD: Complete Analysis 2026

MTOAX — Stock

The investment seeks to provide long-term capital growth and to moderate volatility consistent with its current asset allocation. The fund seeks to achieve its investment objective by investing in a combination of underlying funds according to a target asset allocation strategy. These underlying funds will pursue asset allocation strategies, and will invest in a combination of equity, fixed income and cash investments. It may invest directly in equity and fixed income securities and cash equivalents, including money market securities.

Full MTOAX 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 →

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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.