Home › Compare › PHYL vs XYLD

PHYL vs XYLD: Dividend Comparison 2026

PHYL yields 7.25% · XYLD yields 11.20%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 PHYL wins by $6.4K in total portfolio value
10 years
PHYL
PHYL
● Live price
7.25%
Share price
$34.65
Annual div
$2.51
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$32.3K
Annual income
$1,147.63
Full PHYL calculator →
XYLD
Global X S&P 500 Covered Call ETF
● Live price
11.20%
Share price
$38.36
Annual div
$4.30
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$25.9K
Annual income
$3,351.03
Full XYLD calculator →

Portfolio growth — PHYL vs XYLD

📍 PHYL 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 PeriodPHYLXYLD
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, PHYL + XYLD cover 0 of 12 months — good coverage

Jan
—
Feb
—
Mar
—
Apr
—
May
—
Jun
—
Jul
—
Aug
—
Sep
—
Oct
—
Nov
—
Dec
—
PHYL pays
XYLD pays
Both pay
Neither
💰

Tax Bracket Optimizer

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

PHYL
Annual income on $10K today (after 15% tax)
$615.93/yr
After 10yr DRIP, annual income (after tax)
$975.49/yr
XYLD
Annual income on $10K today (after 15% tax)
$952.37/yr
After 10yr DRIP, annual income (after tax)
$2,848.38/yr
At 15% tax rate, XYLD beats the other by $1,872.89/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of PHYL + XYLD for your $10,000?

PHYL: 50%XYLD: 50%
100% XYLD50/50100% PHYL
Portfolio after 10yr
$29.1K
Annual income
$2,249.32/yr
Blended yield
7.73%
🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

PHYL buys
0
XYLD buys
0
No recent congressional trades found for PHYL or XYLD in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricPHYLXYLD
Forward yield7.25%11.20% ✓
Annual dividend / share$2.51$4.30 ✓
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR0%0%
Portfolio after 10y$32.3K ✓$25.9K
Annual income after 10y$1,147.63$3,351.03 ✓
Total dividends collected$9.4K$20.2K ✓
Payment frequencyquarterlymonthly
SectorStockETF

Year-by-year: PHYL vs XYLD ($10,000, DRIP)

YearPHYL PortfolioPHYL Income/yrXYLD PortfolioXYLD Income/yrGap
1← crossover$11,425$724.62$10,840$1,120.44+$585.00 → PHYL
2$12,998$773.69$11,786$1,249.59+$1.2K → PHYL
3$14,731$822.66$12,854$1,397.78+$1.9K → PHYL
4$16,633$871.32$14,063$1,568.33+$2.6K → PHYL
5$18,717$919.49$15,434$1,765.19+$3.3K → PHYL
6$20,994$967.00$16,995$1,993.14+$4.0K → PHYL
7$23,477$1,013.69$18,777$2,257.95+$4.7K → PHYL
8$26,180$1,059.43$20,818$2,566.58+$5.4K → PHYL
9$29,117$1,104.11$23,163$2,927.50+$6.0K → PHYL
10$32,303$1,147.63$25,865$3,351.03+$6.4K → PHYL

PHYL vs XYLD: Complete Analysis 2026

PHYL — Stock

The investment objective of PGIM Active High Yield Bond ETF is to seek total return through a combination of current income and capital appreciation.

Full PHYL Calculator →

XYLD — ETF

The Global X S&P 500 Covered Call ETF (XYLD) seeks to provide investment results that correspond generally to the price and yield performance, before fees and expenses, of the Cboe S&P 500 BuyWrite Index.

Full XYLD Calculator →
📬

Get this PHYL vs XYLD comparison by email

Save your analysis + weekly dividend insights. Free forever.

More comparisons

PHYL vs SCHDPHYL vs JEPIPHYL vs OPHYL vs KOPHYL vs MAINPHYL vs QYLDPHYL vs JEPQPHYL vs RYLD

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