HomeCompareNEED vs RYLD

NEED vs RYLD: Dividend Comparison 2026

NEED yields 6.21% · RYLD yields 12.39%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 RYLD wins by $15.1K in total portfolio value
10 years
NEED
NEED
● Live price
6.21%
Share price
$32.19
Annual div
$2.00
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$30.1K
Annual income
$922.76
Full NEED calculator →
RYLD
RYLD
● Live price
12.39%
Share price
$14.64
Annual div
$1.81
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$45.3K
Annual income
$2,682.98
Full RYLD calculator →

Portfolio growth — NEED vs RYLD

📍 RYLD 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 PeriodNEEDRYLD
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, NEED + RYLD cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
NEED 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.

NEED
Annual income on $10K today (after 15% tax)
$528.05/yr
After 10yr DRIP, annual income (after tax)
$784.35/yr
RYLD
Annual income on $10K today (after 15% tax)
$1,053.44/yr
After 10yr DRIP, annual income (after tax)
$2,280.53/yr
At 15% tax rate, RYLD beats the other by $1,496.19/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

NEED: 50%RYLD: 50%
100% RYLD50/50100% NEED
Portfolio after 10yr
$37.7K
Annual income
$1,802.87/yr
Blended yield
4.78%
🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

NEED buys
0
RYLD buys
0
No recent congressional trades found for NEED or RYLD in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricNEEDRYLD
Forward yield6.21%12.39%
Annual dividend / share$2.00$1.81
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR0%0%
Portfolio after 10y$30.1K$45.3K
Annual income after 10y$922.76$2,682.98
Total dividends collected$7.8K$19.4K
Payment frequencyquarterlyquarterly
SectorStockETF

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

YearNEED PortfolioNEED Income/yrRYLD PortfolioRYLD Income/yrGap
1← crossover$11,321$621.23$11,939$1,239.34$618.00RYLD
2$12,771$657.30$14,158$1,382.89$1.4KRYLD
3$14,358$692.97$16,682$1,532.59$2.3KRYLD
4$16,091$728.11$19,537$1,687.64$3.4KRYLD
5$17,980$762.62$22,752$1,847.20$4.8KRYLD
6$20,035$796.40$26,355$2,010.43$6.3KRYLD
7$22,267$829.36$30,376$2,176.45$8.1KRYLD
8$24,687$861.45$34,847$2,344.43$10.2KRYLD
9$27,308$892.60$39,800$2,513.54$12.5KRYLD
10$30,142$922.76$45,269$2,682.98$15.1KRYLD

NEED vs RYLD: Complete Analysis 2026

NEEDStock

The investment seeks daily investment results, before fees and expenses, of 300% of the daily performance of the Consumer Staples Select Sector Index (the "index"). The fund normally invests at least 80% of its net assets in financial instruments and securities of the index, ETFs that track the index and other financial instruments that provide daily leveraged exposure to the index or ETFs that track the index. The index includes domestic companies from the consumer staples sector which includes the following industries: food and staples retailing; household products; food products; beverages; tobacco; and personal products. The fund is non-diversified.

Full NEED Calculator →

RYLDETF

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.