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PLFMX vs RYLD: Dividend Comparison 2026

PLFMX yields 0.41% · RYLD yields 4.00%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 RYLD wins by $7.8K in total portfolio value
10 years
PLFMX
PLFMX
● Live price
0.41%
Share price
$30.12
Annual div
$0.12
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$20.2K
Annual income
$42.25
Full PLFMX calculator →
RYLD
RYLD
● Live price
4.00%
Share price
$50.00
Annual div
$2.00
5Y div CAGR
5%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$28.0K
Annual income
$899.19
Full RYLD calculator →

Portfolio growth — PLFMX vs RYLD

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

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

Tax Bracket Optimizer

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

PLFMX
Annual income on $10K today (after 15% tax)
$34.97/yr
After 10yr DRIP, annual income (after tax)
$35.91/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 $728.40/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

PLFMX: 50%RYLD: 50%
100% RYLD50/50100% PLFMX
Portfolio after 10yr
$24.1K
Annual income
$470.73/yr
Blended yield
1.95%
🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

PLFMX buys
0
RYLD buys
0
No recent congressional trades found for PLFMX or RYLD in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricPLFMXRYLD
Forward yield0.41%4.00% ✓
Annual dividend / share$0.12$2.00 ✓
Payout ratio50%50%
1-year div growth0%5% ✓
5-year div CAGR0%5% ✓
Portfolio after 10y$20.2K$28.0K ✓
Annual income after 10y$42.25$899.19 ✓
Total dividends collected$417.00 ✓$6.4K
Payment frequencyquarterlyquarterly
SectorStockETF

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

YearPLFMX PortfolioPLFMX Income/yrRYLD PortfolioRYLD Income/yrGap
1← crossover$10,741$41.14$11,120$420.00$379.00 → RYLD
2$11,534$41.29$12,357$458.31$823.00 → RYLD
3$12,383$41.44$13,721$499.76$1.3K → RYLD
4$13,292$41.58$15,227$544.58$1.9K → RYLD
5$14,264$41.71$16,885$593.02$2.6K → RYLD
6$15,304$41.83$18,713$645.34$3.4K → RYLD
7$16,417$41.95$20,724$701.81$4.3K → RYLD
8$17,608$42.06$22,938$762.73$5.3K → RYLD
9$18,883$42.16$25,372$828.41$6.5K → RYLD
10$20,247$42.25$28,047$899.19$7.8K → RYLD

PLFMX vs RYLD: Complete Analysis 2026

PLFMX — Stock

Under normal circumstances, the fund invests at least 80% of its net assets, plus any borrowings for investment purposes, in equity securities of companies that compose the S&P 500 Index at the time of purchase. The index is designed to represent U.S. equities with risk/return characteristics of the large cap universe.

Full PLFMX 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.