Is MUI or XYLD a better dividend investment in 2026?

MUI currently yields 4.79% with a 5% 5-year dividend growth rate. XYLD yields 10.98% with 0.5% growth. The better choice depends on your goal: XYLD offers higher current income.

What is the dividend yield difference between MUI and XYLD?

MUI has a forward dividend yield of 4.79% ($0.58/share annually). XYLD yields 10.98% ($4.30/share annually). The yield gap is 6.19 percentage points.

Home › Compare › MUI vs XYLD

MUI vs XYLD: Dividend Comparison 2026

MUI yields 4.79% · XYLD yields 10.98%● Live data

vsPost on X →

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

🏆 XYLD wins by $545.00 in total portfolio value· pulled ahead in Year 10

INVESTMENT

TIME HORIZON10 years

MUI

● Live price

4.79%

Share price

$12.09

Annual div

$0.58

5Y div CAGR

-7.7%

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$24.7K

Annual income

$267.38

Full MUI 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 — MUI vs XYLD

📍 XYLD pulled ahead of the other in Year 10

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	MUI	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, MUI + XYLD cover 0 of 12 months — good coverage

Jan

—

Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

MUI pays

XYLD pays

Both pay

Neither

💰

Tax Bracket Optimizer

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

MUI

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

$407.16/yr

After 10yr DRIP, annual income (after tax)

$227.27/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 $2,508.89/year in after-tax income after 10 years on $10,000

⚖️

Lazy Portfolio Split Optimizer

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

MUI: 50%XYLD: 50%

100% XYLD50/50100% MUI

Portfolio after 10yr

$25.0K

Annual income

$1,743.20/yr

Blended yield

6.97%

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

MUI buys

XYLD buys

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

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

MetricMUIXYLD

Forward yield	4.79%	10.98% ✓
Annual dividend / share	$0.58	$4.30 ✓
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	-7.7%	0% ✓
Portfolio after 10y	$24.7K	$25.3K ✓
Annual income after 10y	$267.38	$3,219.02 ✓
Total dividends collected	$3.6K	$19.6K ✓
Payment frequency	quarterly	monthly
Sector	Stock	ETF

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

Year	MUI Portfolio	MUI Income/yr	XYLD Portfolio	XYLD Income/yr	Gap
1	$11,142	$442.13	$10,818	$1,098.39	+$324.00 → MUI
2	$12,347	$424.95	$11,738	$1,222.51	+$609.00 → MUI
3	$13,618	$406.21	$12,774	$1,364.64	+$844.00 → MUI
4	$14,957	$386.46	$13,944	$1,527.86	+$1.0K → MUI
5	$16,370	$366.16	$15,270	$1,715.87	+$1.1K → MUI
6	$17,862	$345.70	$16,775	$1,933.09	+$1.1K → MUI
7	$19,438	$325.38	$18,490	$2,184.87	+$948.00 → MUI
8	$21,104	$305.44	$20,450	$2,477.63	+$654.00 → MUI
9	$22,867	$286.06	$22,697	$2,819.19	+$170.00 → MUI
10← crossover	$24,735	$267.38	$25,280	$3,219.02	$545.00 → XYLD

MUI vs XYLD: Complete Analysis 2026

MUI — Stock

BlackRock Muni Intermediate Duration Fund, Inc. is a closed ended fixed income mutual fund launched by BlackRock, Inc. It is managed by BlackRock Advisors, LLC. The fund invests in fixed income markets. It primarily invests in investment grade municipal bonds exempt from federal income taxes and with a duration of three to ten years at the time of investment. BlackRock Muni Intermediate Duration Fund, Inc. was formed on August 1, 2003 and is domiciled in United States.

Full MUI 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 MUI vs XYLD comparison by email

Save your analysis + weekly dividend insights. Free forever.

More comparisons

MUI vs SCHD MUI vs JEPI MUI vs O MUI vs KO MUI vs MAIN MUI vs QYLD MUI vs JEPQ MUI 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.