Is PHMIX or RYLD a better dividend investment in 2026?

PHMIX currently yields 4.23% with a 5% 5-year dividend growth rate. RYLD yields 4.00% with 5% growth. The better choice depends on your goal: PHMIX offers higher current income.

What is the dividend yield difference between PHMIX and RYLD?

PHMIX has a forward dividend yield of 4.23% ($0.35/share annually). RYLD yields 4.00% ($2.00/share annually). The yield gap is 0.23 percentage points.

Home › Compare › PHMIX vs RYLD

PHMIX vs RYLD: Dividend Comparison 2026

PHMIX yields 4.23% · RYLD yields 4.00%● Live data

vsPost on X →

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

🏆 RYLD wins by $1.7K in total portfolio value· pulled ahead in Year 2

INVESTMENT

TIME HORIZON10 years

PHMIX

● Live price

4.23%

Share price

$8.29

Annual div

$0.35

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$26.4K

Annual income

$554.80

Full PHMIX 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 — PHMIX vs RYLD

📍 RYLD 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	PHMIX	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, PHMIX + RYLD cover 0 of 12 months — good coverage

Jan

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Feb

—

Mar

—

Apr

—

May

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Jun

—

Jul

—

Aug

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Sep

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Oct

—

Nov

—

Dec

—

PHMIX pays

RYLD pays

Both pay

Neither

💰

Tax Bracket Optimizer

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

PHMIX

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

$359.52/yr

After 10yr DRIP, annual income (after tax)

$471.58/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, RYLD beats the other by $292.73/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 PHMIX + RYLD for your $10,000?

PHMIX: 50%RYLD: 50%

100% RYLD50/50100% PHMIX

Portfolio after 10yr

$27.2K

Annual income

$727.00/yr

Blended yield

2.67%

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

PHMIX buys

RYLD buys

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

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

MetricPHMIXRYLD

Forward yield	4.23% ✓	4.00%
Annual dividend / share	$0.35	$2.00 ✓
Payout ratio	50%	50%
1-year div growth	0%	5% ✓
5-year div CAGR	0%	5% ✓
Portfolio after 10y	$26.4K	$28.0K ✓
Annual income after 10y	$554.80	$899.19 ✓
Total dividends collected	$4.9K	$6.4K ✓
Payment frequency	quarterly	quarterly
Sector	Stock	ETF

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

Year	PHMIX Portfolio	PHMIX Income/yr	RYLD Portfolio	RYLD Income/yr	Gap
1	$11,123	$422.97	$11,120	$420.00	+$3.00 → PHMIX
2← crossover	$12,341	$439.69	$12,357	$458.31	$16.00 → RYLD
3	$13,661	$455.93	$13,721	$499.76	$60.00 → RYLD
4	$15,089	$471.67	$15,227	$544.58	$138.00 → RYLD
5	$16,632	$486.89	$16,885	$593.02	$253.00 → RYLD
6	$18,298	$501.58	$18,713	$645.34	$415.00 → RYLD
7	$20,095	$515.71	$20,724	$701.81	$629.00 → RYLD
8	$22,030	$529.30	$22,938	$762.73	$908.00 → RYLD
9	$24,115	$542.33	$25,372	$828.41	$1.3K → RYLD
10	$26,358	$554.80	$28,047	$899.19	$1.7K → RYLD

PHMIX vs RYLD: Complete Analysis 2026

PHMIX — Stock

The fund invests at least 80% of its assets in debt securities whose interest is, in the opinion of bond counsel for the issuer at the time of issuance, exempt from federal income tax ("Municipal Bonds"). It may invest, without limitation, in higher rated Municipal Bonds. The fund may invest up to 30% of its assets in "private activity" bonds whose interest is a tax-preference item for purposes of the federal alternative minimum tax ("AMT").

Full PHMIX 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.