Is PZC or XYLD a better dividend investment in 2026?

PZC currently yields 5.10% with a 5% 5-year dividend growth rate. XYLD yields 10.98% with 0.5% growth. The better choice depends on your goal: XYLD offers higher current income.

What is the dividend yield difference between PZC and XYLD?

PZC has a forward dividend yield of 5.10% ($0.31/share annually). XYLD yields 10.98% ($4.30/share annually). The yield gap is 5.88 percentage points.

Home › Compare › PZC vs XYLD

PZC vs XYLD: Dividend Comparison 2026

PZC yields 5.10% · XYLD yields 10.98%● Live data

vsPost on X →

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

🏆 XYLD wins by $3.7K in total portfolio value· pulled ahead in Year 5

INVESTMENT

TIME HORIZON10 years

PZC

● Live price

5.10%

Share price

$6.10

Annual div

$0.31

5Y div CAGR

-29.8%

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$21.6K

Annual income

$16.28

Full PZC 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 — PZC vs XYLD

📍 XYLD pulled ahead of the other in Year 5

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

Jan

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Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

PZC 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.

PZC

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

$433.43/yr

After 10yr DRIP, annual income (after tax)

$13.84/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 $2,722.33/year in after-tax income after 10 years on $10,000

⚖️

Lazy Portfolio Split Optimizer

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

PZC: 50%XYLD: 50%

100% XYLD50/50100% PZC

Portfolio after 10yr

$23.5K

Annual income

$1,617.65/yr

Blended yield

6.90%

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

PZC buys

XYLD buys

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

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

MetricPZCXYLD

Forward yield	5.10%	10.98% ✓
Annual dividend / share	$0.31	$4.30 ✓
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	-29.8%	0% ✓
Portfolio after 10y	$21.6K	$25.3K ✓
Annual income after 10y	$16.28	$3,219.02 ✓
Total dividends collected	$1.2K	$19.6K ✓
Payment frequency	quarterly	monthly
Sector	Stock	ETF

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

Year	PZC Portfolio	PZC Income/yr	XYLD Portfolio	XYLD Income/yr	Gap
1	$11,058	$357.96	$10,818	$1,098.39	+$240.00 → PZC
2	$12,092	$259.70	$11,738	$1,222.51	+$354.00 → PZC
3	$13,124	$186.31	$12,774	$1,364.64	+$350.00 → PZC
4	$14,176	$132.67	$13,944	$1,527.86	+$232.00 → PZC
5← crossover	$15,262	$94.02	$15,270	$1,715.87	$8.00 → XYLD
6	$16,397	$66.41	$16,775	$1,933.09	$378.00 → XYLD
7	$17,592	$46.81	$18,490	$2,184.87	$898.00 → XYLD
8	$18,856	$32.95	$20,450	$2,477.63	$1.6K → XYLD
9	$20,199	$23.17	$22,697	$2,819.19	$2.5K → XYLD
10	$21,629	$16.28	$25,280	$3,219.02	$3.7K → XYLD

PZC vs XYLD: Complete Analysis 2026

PZC — Stock

PIMCO California Municipal Income Fund III 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 fixed income markets. It seeks to invest in stocks of companies operating across diversified sectors. Its investment portfolio include California municipal bonds, and other municipal bonds and notes; California variable rate notes and other variable rate notes; California variable rate demand notes and other variable rate demand notes; U.S. treasury bills; and call options written and put options written. PIMCO California Municipal Income Fund III was formed on October 31, 2002 and is domiciled in United States.

Full PZC 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.