Is PHYD or QYLD a better dividend investment in 2026?

PHYD currently yields 9.20% with a 5% 5-year dividend growth rate. QYLD yields 12.24% with -2.1% growth. The better choice depends on your goal: QYLD offers higher current income.

What is the dividend yield difference between PHYD and QYLD?

PHYD has a forward dividend yield of 9.20% ($4.60/share annually). QYLD yields 12.24% ($2.04/share annually). The yield gap is 3.04 percentage points.

Home › Compare › PHYD vs QYLD

PHYD vs QYLD: Dividend Comparison 2026

PHYD yields 9.20% · QYLD yields 12.24%● Live data

vsPost on X →

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

🏆 PHYD wins by $10.2K in total portfolio value

INVESTMENT

TIME HORIZON10 years

PHYD

● Live price

9.20%

Share price

$49.95

Annual div

$4.60

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$36.8K

Annual income

$1,643.30

Full PHYD calculator →

QYLD

Global X Nasdaq 100 Covered Call ETF

● Live price

12.24%

Share price

$16.70

Annual div

$2.04

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$26.5K

Annual income

$6,038.84

Full QYLD calculator →

Portfolio growth — PHYD vs QYLD

📍 PHYD 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 Period	PHYD	QYLD
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, PHYD + QYLD cover 0 of 12 months — good coverage

Jan

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Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

PHYD pays

QYLD pays

Both pay

Neither

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Tax Bracket Optimizer

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

PHYD

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

$782.17/yr

After 10yr DRIP, annual income (after tax)

$1,396.80/yr

QYLD

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

$1,040.82/yr

After 10yr DRIP, annual income (after tax)

$5,133.01/yr

At 15% tax rate, QYLD beats the other by $3,736.21/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 PHYD + QYLD for your $10,000?

PHYD: 50%QYLD: 50%

100% QYLD50/50100% PHYD

Portfolio after 10yr

$31.7K

Annual income

$3,841.07/yr

Blended yield

12.13%

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

PHYD buys

QYLD buys

No recent congressional trades found for PHYD or QYLD in the last 90 days.

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

MetricPHYDQYLD

Forward yield	9.20%	12.24% ✓
Annual dividend / share	$4.60 ✓	$2.04
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	0%	0%
Portfolio after 10y	$36.8K ✓	$26.5K
Annual income after 10y	$1,643.30	$6,038.84 ✓
Total dividends collected	$12.8K	$28.5K ✓
Payment frequency	quarterly	monthly
Sector	Stock	ETF

Year-by-year: PHYD vs QYLD ($10,000, DRIP)

Year	PHYD Portfolio	PHYD Income/yr	QYLD Portfolio	QYLD Income/yr	Gap
1← crossover	$11,620	$920.20	$10,384	$1,224.49	+$1.2K → PHYD
2	$13,433	$999.33	$10,900	$1,388.18	+$2.5K → PHYD
3	$15,453	$1,079.65	$11,576	$1,590.76	+$3.9K → PHYD
4	$17,695	$1,160.75	$12,447	$1,844.20	+$5.2K → PHYD
5	$20,176	$1,242.24	$13,567	$2,164.97	+$6.6K → PHYD
6	$22,912	$1,323.74	$15,003	$2,576.05	+$7.9K → PHYD
7	$25,921	$1,404.91	$16,853	$3,110.04	+$9.1K → PHYD
8	$29,221	$1,485.41	$19,251	$3,813.85	+$10.0K → PHYD
9	$32,831	$1,564.97	$22,390	$4,756.08	+$10.4K → PHYD
10	$36,773	$1,643.30	$26,548	$6,038.84	+$10.2K → PHYD

PHYD vs QYLD: Complete Analysis 2026

PHYD — Stock

The fund seeks high current income. Capital growth is a secondary goal when consistent with achieving high current income. The fund invests mainly in bonds that are below investment grade in quality with a focus on companies or issuers that the fund's investment manager believes meet relevant environmental, social or governance (ESG) criteria on a sector-specific basis.

Full PHYD Calculator →

QYLD — ETF

The Global X Nasdaq 100 Covered Call ETF (QYLD) seeks to provide investment results that correspond generally to the price and yield performance, before fees and expenses, of the Cboe Nasdaq-100 BuyWrite V2 Index.

Full QYLD 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.