Is PTOAX or XYLD a better dividend investment in 2026?

PTOAX currently yields 18.64% with a 5% 5-year dividend growth rate. XYLD yields 10.98% with 0.5% growth. The better choice depends on your goal: PTOAX offers higher current income.

What is the dividend yield difference between PTOAX and XYLD?

PTOAX has a forward dividend yield of 18.64% ($2.13/share annually). XYLD yields 10.98% ($4.30/share annually). The yield gap is 7.66 percentage points.

Home › Compare › PTOAX vs XYLD

PTOAX vs XYLD: Dividend Comparison 2026

PTOAX yields 18.64% · XYLD yields 10.98%● Live data

vsPost on X →

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

🏆 XYLD wins by $2.2K in total portfolio value· pulled ahead in Year 8

INVESTMENT

TIME HORIZON10 years

PTOAX

● Live price

18.64%

Share price

$11.43

Annual div

$2.13

5Y div CAGR

-50%

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$23.1K

Annual income

$2.13

Full PTOAX calculator →

XYLD

Global X S&P 500 Covered Call ETF

● Live price

10.98%

Share price

$39.13

Annual div

$4.30

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$25.3K

Annual income

$3,219.02

Full XYLD calculator →

Portfolio growth — PTOAX vs XYLD

📍 XYLD pulled ahead of the other in Year 8

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 Period	PTOAX	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%.

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Dividend Calendar Overlap

Combined, PTOAX + XYLD cover 0 of 12 months — good coverage

Jan

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Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

PTOAX 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.

PTOAX

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

$1,584.47/yr

After 10yr DRIP, annual income (after tax)

$1.81/yr

XYLD

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

$933.63/yr

After 10yr DRIP, annual income (after tax)

$2,736.17/yr

At 15% tax rate, XYLD beats the other by $2,734.36/year in after-tax income after 10 years on $10,000

⚖️

Lazy Portfolio Split Optimizer

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

PTOAX: 50%XYLD: 50%

100% XYLD50/50100% PTOAX

Portfolio after 10yr

$24.2K

Annual income

$1,610.58/yr

Blended yield

6.66%

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

PTOAX buys

XYLD buys

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

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

MetricPTOAXXYLD

Forward yield	18.64% ✓	10.98%
Annual dividend / share	$2.13	$4.30 ✓
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	-50%	0% ✓
Portfolio after 10y	$23.1K	$25.3K ✓
Annual income after 10y	$2.13	$3,219.02 ✓
Total dividends collected	$2.0K	$19.6K ✓
Payment frequency	quarterly	monthly
Sector	Stock	ETF

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

Year	PTOAX Portfolio	PTOAX Income/yr	XYLD Portfolio	XYLD Income/yr	Gap
1	$11,632	$932.04	$10,818	$1,098.39	+$814.00 → PTOAX
2	$12,953	$506.62	$11,738	$1,222.51	+$1.2K → PTOAX
3	$14,123	$263.62	$12,774	$1,364.64	+$1.3K → PTOAX
4	$15,246	$134.32	$13,944	$1,527.86	+$1.3K → PTOAX
5	$16,381	$67.76	$15,270	$1,715.87	+$1.1K → PTOAX
6	$17,562	$34.02	$16,775	$1,933.09	+$787.00 → PTOAX
7	$18,808	$17.04	$18,490	$2,184.87	+$318.00 → PTOAX
8← crossover	$20,133	$8.53	$20,450	$2,477.63	$317.00 → XYLD
9	$21,547	$4.27	$22,697	$2,819.19	$1.1K → XYLD
10	$23,057	$2.13	$25,280	$3,219.02	$2.2K → XYLD

PTOAX vs XYLD: Complete Analysis 2026

PTOAX — Stock

The fund seeks to exceed the total return of the S&P 500 Index by investing under normal circumstances in S&P 500 Index derivatives, backed by a portfolio of fixed income instruments. "Fixed income instruments" include bonds, debt securities and other similar instruments issued by various U.S. and non-U.S. public- or private-sector entities. The fund will normally limit its foreign currency exposure (from non-U.S. dollar-denominated securities or currencies) to 35% of its total assets.

Full PTOAX 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.