Is PMF or XYLD a better dividend investment in 2026?

PMF currently yields 5.70% with a 5% 5-year dividend growth rate. XYLD yields 11.20% with 0.5% growth. The better choice depends on your goal: XYLD offers higher current income.

What is the dividend yield difference between PMF and XYLD?

PMF has a forward dividend yield of 5.70% ($0.44/share annually). XYLD yields 11.20% ($4.30/share annually). The yield gap is 5.50 percentage points.

Home › Compare › PMF vs XYLD

PMF vs XYLD: Dividend Comparison 2026

PMF yields 5.70% · XYLD yields 11.20%● Live data

vsPost on X →

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

🏆 XYLD wins by $3.3K in total portfolio value· pulled ahead in Year 6

INVESTMENT

TIME HORIZON10 years

PMF

● Live price

5.70%

Share price

$7.76

Annual div

$0.44

5Y div CAGR

-23.6%

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$22.5K

Annual income

$44.16

Full PMF 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

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$25.9K

Annual income

$3,351.03

Full XYLD calculator →

Portfolio growth — PMF vs XYLD

📍 XYLD pulled ahead of the other in Year 6

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	PMF	XYLD
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, PMF + XYLD cover 0 of 12 months — good coverage

Jan

—

Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

PMF pays

XYLD pays

Both pay

Neither

💰

Tax Bracket Optimizer

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

PMF

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

$484.57/yr

After 10yr DRIP, annual income (after tax)

$37.54/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 $2,810.84/year in after-tax income after 10 years on $10,000

⚖️

Lazy Portfolio Split Optimizer

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

PMF: 50%XYLD: 50%

100% XYLD50/50100% PMF

Portfolio after 10yr

$24.2K

Annual income

$1,697.59/yr

Blended yield

7.02%

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

PMF buys

XYLD buys

No recent congressional trades found for PMF or XYLD in the last 90 days.

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

MetricPMFXYLD

Forward yield	5.70%	11.20% ✓
Annual dividend / share	$0.44	$4.30 ✓
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	-23.6%	0% ✓
Portfolio after 10y	$22.5K	$25.9K ✓
Annual income after 10y	$44.16	$3,351.03 ✓
Total dividends collected	$1.8K	$20.2K ✓
Payment frequency	quarterly	monthly
Sector	Stock	ETF

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

Year	PMF Portfolio	PMF Income/yr	XYLD Portfolio	XYLD Income/yr	Gap
1	$11,136	$435.54	$10,840	$1,120.44	+$296.00 → PMF
2	$12,261	$346.30	$11,786	$1,249.59	+$475.00 → PMF
3	$13,392	$272.26	$12,854	$1,397.78	+$538.00 → PMF
4	$14,542	$212.32	$14,063	$1,568.33	+$479.00 → PMF
5	$15,724	$164.62	$15,434	$1,765.19	+$290.00 → PMF
6← crossover	$16,952	$127.10	$16,995	$1,993.14	$43.00 → XYLD
7	$18,236	$97.84	$18,777	$2,257.95	$541.00 → XYLD
8	$19,588	$75.15	$20,818	$2,566.58	$1.2K → XYLD
9	$21,017	$57.64	$23,163	$2,927.50	$2.1K → XYLD
10	$22,532	$44.16	$25,865	$3,351.03	$3.3K → XYLD

PMF vs XYLD: Complete Analysis 2026

PMF — Stock

PIMCO Municipal Income Fund is a closed ended fixed income mutual fund launched and managed by Allianz Global Investors Fund Management LLC. It is co-managed by Pacific Investment Management Company LLC. The fund invests in the fixed income markets of the United States. It seeks to invest in stocks of companies operating across diversified sectors. The fund primarily invests in investment grade municipal bonds. It employs fundamental analysis with a top down stock picking approach to create its portfolio. It conducts in house research using proprietary models. PIMCO Municipal Income Fund was formed on June 29, 2001 and is domiciled in the United States.

Full PMF 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 PMF vs XYLD comparison by email

Save your analysis + weekly dividend insights. Free forever.

More comparisons

PMF vs SCHD PMF vs JEPI PMF vs O PMF vs KO PMF vs MAIN PMF vs QYLD PMF vs JEPQ PMF 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.