Is PHOJY or RYLD a better dividend investment in 2026?

PHOJY currently yields 9.05% with a 5% 5-year dividend growth rate. RYLD yields 12.14% with 5% growth. The better choice depends on your goal: RYLD offers higher current income.

What is the dividend yield difference between PHOJY and RYLD?

PHOJY has a forward dividend yield of 9.05% ($2.00/share annually). RYLD yields 12.14% ($1.81/share annually). The yield gap is 3.09 percentage points.

Home › Compare › PHOJY vs RYLD

PHOJY vs RYLD: Dividend Comparison 2026

PHOJY yields 9.05% · RYLD yields 12.14%● Live data

vsPost on X →

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

🏆 PHOJY wins by $227053.60M in total portfolio value

INVESTMENT

TIME HORIZON10 years

PHOJY

● Live price

9.05%

Share price

$22.09

Annual div

$2.00

5Y div CAGR

100%

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$227053.65M

Annual income

$222,336,151,974.69

Full PHOJY 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 — PHOJY vs RYLD

📍 PHOJY pulled ahead of the other in Year 1

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	PHOJY	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%.

📅

Dividend Calendar Overlap

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

Jan

—

Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

PHOJY pays

RYLD pays

Both pay

Neither

💰

Tax Bracket Optimizer

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

PHOJY

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

$769.58/yr

After 10yr DRIP, annual income (after tax)

$188,985,729,178.49/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, PHOJY beats the other by $188,985,726,979.24/year in after-tax income after 10 years on $10,000

⚖️

Lazy Portfolio Split Optimizer

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

PHOJY: 50%RYLD: 50%

100% RYLD50/50100% PHOJY

Portfolio after 10yr

$113526.85M

Annual income

$111,168,077,281.02/yr

Blended yield

97.92%

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

PHOJY buys

RYLD buys

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

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

MetricPHOJYRYLD

Forward yield	9.05%	12.14% ✓
Annual dividend / share	$2.00 ✓	$1.81
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	100% ✓	0%
Portfolio after 10y	$227053.65M ✓	$44.5K
Annual income after 10y	$222,336,151,974.69 ✓	$2,587.35
Total dividends collected	$226733.20M ✓	$18.8K
Payment frequency	quarterly	quarterly
Sector	Stock	ETF

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

Year	PHOJY Portfolio	PHOJY Income/yr	RYLD Portfolio	RYLD Income/yr	Gap
1← crossover	$12,511	$1,810.78	$11,914	$1,213.65	+$597.00 → PHOJY
2	$17,621	$4,234.45	$14,099	$1,351.30	+$3.5K → PHOJY
3	$30,002	$11,147.79	$16,580	$1,494.55	+$13.4K → PHOJY
4	$67,580	$35,477.96	$19,384	$1,642.61	+$48.2K → PHOJY
5	$221,684	$149,372.85	$22,535	$1,794.70	+$199.1K → PHOJY
6	$1,153,067	$915,864.84	$26,063	$1,950.00	+$1.13M → PHOJY
7	$10,138,043	$8,904,261.91	$29,995	$2,107.69	+$10.11M → PHOJY
8	$157,181,254	$146,333,547.66	$34,361	$2,266.99	+$157.15M → PHOJY
9	$4,408,875,972	$4,240,692,030.29	$39,194	$2,427.12	+$4408.84M → PHOJY
10	$227,053,649,265	$222,336,151,974.69	$44,525	$2,587.35	+$227053.60M → PHOJY

PHOJY vs RYLD: Complete Analysis 2026

PHOJY — Stock

Public Joint-Stock Company PhosAgro, together with its subsidiaries, engages in the production and distribution of apatite concentrate and mineral fertilizers in Russia and internationally. It operates in two segments, Phosphate-Based Products and Nitrogen-Based Products. The Phosphate-Based Products segment produces and distributes ammophos, diammoniumphosphate, sodium tripolyphosphate, and other phosphate based and complex fertilizers; and apatite concentrate extracted from the apatite-nepheline ore. The Nitrogen-Based Products segment is involved in the production and distribution of ammonia, ammonium nitrate, and urea. It also offers feed phosphates; phosphate rock; and industrial products, such as syenite alkali aluminum concentrate, titanomagnetite concentrate, nepheline concentrate, aegirine concentrate, oleum, sulphuric acid, sodiumsilicofluoride, aluminum fluoride, nitric acid, and ammonia solution. Public Joint-Stock Company PhosAgro was incorporated in 2001 and is headquartered in Moscow, the Russian Federation.

Full PHOJY 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 →

📬

Get this PHOJY vs RYLD comparison by email

Save your analysis + weekly dividend insights. Free forever.

More comparisons

PHOJY vs SCHD PHOJY vs JEPI PHOJY vs O PHOJY vs KO PHOJY vs MAIN

⚠️ Educational purposes only. Not financial advice. Congressional trades sourced from SEC STOCK Act filings via FMP. Past performance does not guarantee future results.