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PREF vs XYLD: Dividend Comparison 2026

PREF yields 5.01% · XYLD yields 11.20%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 PREF wins by $1.9K in total portfolio value
10 years
PREF
PREF
● Live price
5.01%
Share price
$18.82
Annual div
$0.94
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$27.8K
Annual income
$690.41
Full PREF 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 — PREF vs XYLD

📍 PREF 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 PeriodPREFXYLD
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, PREF + XYLD cover 0 of 12 months — good coverage

Jan
—
Feb
—
Mar
—
Apr
—
May
—
Jun
—
Jul
—
Aug
—
Sep
—
Oct
—
Nov
—
Dec
—
PREF pays
XYLD pays
Both pay
Neither
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Tax Bracket Optimizer

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

PREF
Annual income on $10K today (after 15% tax)
$425.92/yr
After 10yr DRIP, annual income (after tax)
$586.85/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 $2,261.53/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

PREF: 50%XYLD: 50%
100% XYLD50/50100% PREF
Portfolio after 10yr
$26.8K
Annual income
$2,020.72/yr
Blended yield
7.53%
🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

PREF buys
0
XYLD buys
0
No recent congressional trades found for PREF or XYLD in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricPREFXYLD
Forward yield5.01%11.20% ✓
Annual dividend / share$0.94$4.30 ✓
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR0%0%
Portfolio after 10y$27.8K ✓$25.9K
Annual income after 10y$690.41$3,351.03 ✓
Total dividends collected$6.0K$20.2K ✓
Payment frequencyquarterlymonthly
SectorStockETF

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

YearPREF PortfolioPREF Income/yrXYLD PortfolioXYLD Income/yrGap
1← crossover$11,201$501.08$10,840$1,120.44+$361.00 → PREF
2$12,510$524.55$11,786$1,249.59+$724.00 → PREF
3$13,933$547.51$12,854$1,397.78+$1.1K → PREF
4$15,478$569.90$14,063$1,568.33+$1.4K → PREF
5$17,153$591.69$15,434$1,765.19+$1.7K → PREF
6$18,967$612.83$16,995$1,993.14+$2.0K → PREF
7$20,928$633.29$18,777$2,257.95+$2.2K → PREF
8$23,046$653.05$20,818$2,566.58+$2.2K → PREF
9$25,331$672.10$23,163$2,927.50+$2.2K → PREF
10$27,795$690.41$25,865$3,351.03+$1.9K → PREF

PREF vs XYLD: Complete Analysis 2026

PREF — Stock

The investment seeks to provide current income. Under normal circumstances, the fund invests at least 80% of its net assets, plus any borrowings for investment purposes, in preferred securities.

Full PREF 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 →
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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.