Is NHOLF or RYLD a better dividend investment in 2026?

NHOLF currently yields 2.51% with a 5% 5-year dividend growth rate. RYLD yields 4.00% with 5% growth. The better choice depends on your goal: RYLD offers higher current income.

What is the dividend yield difference between NHOLF and RYLD?

NHOLF has a forward dividend yield of 2.51% ($0.88/share annually). RYLD yields 4.00% ($2.00/share annually). The yield gap is 1.49 percentage points.

Home › Compare › NHOLF vs RYLD

NHOLF vs RYLD: Dividend Comparison 2026

NHOLF yields 2.51% · RYLD yields 4.00%● Live data

vsPost on X →

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

🏆 NHOLF wins by $146.3K in total portfolio value· pulled ahead in Year 2

INVESTMENT

TIME HORIZON10 years

NHOLF

● Live price

2.51%

Share price

$34.97

Annual div

$0.88

5Y div CAGR

51.2%

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$174.3K

Annual income

$77,352.39

Full NHOLF calculator →

RYLD

● Live price

4.00%

Share price

$50.00

Annual div

$2.00

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$28.0K

Annual income

$899.19

Full RYLD calculator →

Portfolio growth — NHOLF vs RYLD

📍 NHOLF pulled ahead of the other in Year 2

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

Jan

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Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

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Sep

—

Oct

—

Nov

—

Dec

—

NHOLF 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.

NHOLF

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

$213.58/yr

After 10yr DRIP, annual income (after tax)

$65,749.53/yr

RYLD

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

$340.00/yr

After 10yr DRIP, annual income (after tax)

$764.31/yr

At 15% tax rate, NHOLF beats the other by $64,985.22/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 NHOLF + RYLD for your $10,000?

NHOLF: 50%RYLD: 50%

100% RYLD50/50100% NHOLF

Portfolio after 10yr

$101.2K

Annual income

$39,125.80/yr

Blended yield

38.67%

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

NHOLF buys

RYLD buys

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

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

MetricNHOLFRYLD

Forward yield	2.51%	4.00% ✓
Annual dividend / share	$0.88	$2.00 ✓
Payout ratio	50%	50%
1-year div growth	0%	5% ✓
5-year div CAGR	51.2% ✓	5%
Portfolio after 10y	$174.3K ✓	$28.0K
Annual income after 10y	$77,352.39 ✓	$899.19
Total dividends collected	$143.9K ✓	$6.4K
Payment frequency	quarterly	quarterly
Sector	Stock	ETF

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

Year	NHOLF Portfolio	NHOLF Income/yr	RYLD Portfolio	RYLD Income/yr	Gap
1	$11,080	$379.93	$11,120	$420.00	$40.00 → RYLD
2← crossover	$12,450	$594.85	$12,357	$458.31	+$93.00 → NHOLF
3	$14,266	$944.54	$13,721	$499.76	+$545.00 → NHOLF
4	$16,794	$1,529.40	$15,227	$544.58	+$1.6K → NHOLF
5	$20,514	$2,544.14	$16,885	$593.02	+$3.6K → NHOLF
6	$26,342	$4,391.34	$18,713	$645.34	+$7.6K → NHOLF
7	$36,154	$7,968.05	$20,724	$701.81	+$15.4K → NHOLF
8	$54,138	$15,453.57	$22,938	$762.73	+$31.2K → NHOLF
9	$90,627	$32,699.94	$25,372	$828.41	+$65.3K → NHOLF
10	$174,324	$77,352.39	$28,047	$899.19	+$146.3K → NHOLF

NHOLF vs RYLD: Complete Analysis 2026

NHOLF — Stock

Sompo Holdings, Inc. provides property and casualty (P&C) insurance services in Japan and internationally. The company operates through Domestic P&C Insurance Business, Overseas Insurance Business, Domestic Life Insurance Business, and Nursing Care and Healthcare Business segments. It offers various P&C insurance products, including automobile, fire, personal accident, and marine, as well as security, risk management, assistance, and warranty services; and life insurance products. The company also provides nursing care and healthcare services; and customer security, health, and wellbeing support services. In addition, it offers asset management services; home remodeling services; health support services comprising health guidance and health counseling, and employee assistance programs; and wellness communication services. The company was formerly known as Sompo Japan Nipponkoa Holdings, Inc. and changed its name to Sompo Holdings, Inc. in October 2016. The company was incorporated in 2010 and is headquartered in Tokyo, Japan.

Full NHOLF Calculator →

RYLD — ETF

RYLD is a dividend-paying stock. Use this calculator to estimate your future dividend income, DRIP compounding returns, and passive income potential from investing in RYLD shares.

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.