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PMMF vs QYLD: Dividend Comparison 2026

PMMF yields 3.91% · QYLD yields 11.92%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 PMMF wins by $388.00 in total portfolio value
10 years
PMMF
PMMF
● Live price
3.91%
Share price
$100.45
Annual div
$3.93
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$25.8K
Annual income
$502.28
Full PMMF calculator →
QYLD
Global X Nasdaq 100 Covered Call ETF
● Live price
11.92%
Share price
$17.15
Annual div
$2.04
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$25.4K
Annual income
$5,659.31
Full QYLD calculator →

Portfolio growth — PMMF vs QYLD

📍 PMMF 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 PeriodPMMFQYLD
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, PMMF + QYLD cover 0 of 12 months — good coverage

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

Tax Bracket Optimizer

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

PMMF
Annual income on $10K today (after 15% tax)
$332.18/yr
After 10yr DRIP, annual income (after tax)
$426.94/yr
QYLD
Annual income on $10K today (after 15% tax)
$1,013.51/yr
After 10yr DRIP, annual income (after tax)
$4,810.41/yr
At 15% tax rate, QYLD beats the other by $4,383.48/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of PMMF + QYLD for your $10,000?

PMMF: 50%QYLD: 50%
100% QYLD50/50100% PMMF
Portfolio after 10yr
$25.6K
Annual income
$3,080.80/yr
Blended yield
12.04%
🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

PMMF buys
0
QYLD buys
0
No recent congressional trades found for PMMF or QYLD in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricPMMFQYLD
Forward yield3.91%11.92% ✓
Annual dividend / share$3.93 ✓$2.04
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR0%0%
Portfolio after 10y$25.8K ✓$25.4K
Annual income after 10y$502.28$5,659.31 ✓
Total dividends collected$4.5K$27.1K ✓
Payment frequencyquarterlymonthly
SectorStockETF

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

YearPMMF PortfolioPMMF Income/yrQYLD PortfolioQYLD Income/yrGap
1← crossover$11,091$390.79$10,352$1,192.36+$739.00 → PMMF
2$12,272$405.07$10,830$1,347.57+$1.4K → PMMF
3$13,550$418.89$11,460$1,539.07+$2.1K → PMMF
4$14,931$432.26$12,275$1,777.84+$2.7K → PMMF
5$16,421$445.14$13,323$2,078.95+$3.1K → PMMF
6$18,028$457.55$14,667$2,463.34+$3.4K → PMMF
7$19,760$469.46$16,396$2,960.57+$3.4K → PMMF
8$21,624$480.89$18,631$3,612.97+$3.0K → PMMF
9$23,629$491.82$21,548$4,482.15+$2.1K → PMMF
10$25,786$502.28$25,398$5,659.31+$388.00 → PMMF

PMMF vs QYLD: Complete Analysis 2026

PMMF — Stock

The iShares Prime Money Market ETF seeks as high a level of current income as is consistent with liquidity and stability of principal.

Full PMMF 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.