Is RAFLF or XYLD a better dividend investment in 2026?

RAFLF currently yields 2.50% 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 RAFLF and XYLD?

RAFLF has a forward dividend yield of 2.50% ($0.02/share annually). XYLD yields 11.20% ($4.30/share annually). The yield gap is 8.70 percentage points.

Home › Compare › RAFLF vs XYLD

RAFLF vs XYLD: Dividend Comparison 2026

RAFLF yields 2.50% · XYLD yields 11.20%● Live data

vsPost on X →

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

🏆 RAFLF wins by $174.00M in total portfolio value

INVESTMENT

TIME HORIZON10 years

RAFLF

● Live price

2.50%

Share price

$0.80

Annual div

$0.02

5Y div CAGR

100%

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$174.02M

Annual income

$161,605,883.52

Full RAFLF 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 — RAFLF vs XYLD

📍 RAFLF 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 Period	RAFLF	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, RAFLF + XYLD cover 0 of 12 months — good coverage

Jan

—

Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

RAFLF 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.

RAFLF

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

$212.50/yr

After 10yr DRIP, annual income (after tax)

$137,365,000.99/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, RAFLF beats the other by $137,362,152.62/year in after-tax income after 10 years on $10,000

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Lazy Portfolio Split Optimizer

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

RAFLF: 50%XYLD: 50%

100% XYLD50/50100% RAFLF

Portfolio after 10yr

$87.02M

Annual income

$80,804,617.27/yr

Blended yield

92.85%

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

RAFLF buys

XYLD buys

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

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

MetricRAFLFXYLD

Forward yield	2.50%	11.20% ✓
Annual dividend / share	$0.02	$4.30 ✓
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	100% ✓	0%
Portfolio after 10y	$174.02M ✓	$25.9K
Annual income after 10y	$161,605,883.52 ✓	$3,351.03
Total dividends collected	$173.07M ✓	$20.2K
Payment frequency	quarterly	monthly
Sector	Stock	ETF

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

Year	RAFLF Portfolio	RAFLF Income/yr	XYLD Portfolio	XYLD Income/yr	Gap
1← crossover	$11,200	$500.00	$10,840	$1,120.44	+$360.00 → RAFLF
2	$13,031	$1,046.73	$11,786	$1,249.59	+$1.2K → RAFLF
3	$16,219	$2,276.31	$12,854	$1,397.78	+$3.4K → RAFLF
4	$22,650	$5,295.88	$14,063	$1,568.33	+$8.6K → RAFLF
5	$38,060	$13,823.91	$15,434	$1,765.19	+$22.6K → RAFLF
6	$84,142	$43,417.83	$16,995	$1,993.14	+$67.1K → RAFLF
7	$269,447	$179,415.29	$18,777	$2,257.95	+$250.7K → RAFLF
8	$1,362,216	$1,073,907.87	$20,818	$2,566.58	+$1.34M → RAFLF
9	$11,605,696	$10,148,124.92	$23,163	$2,927.50	+$11.58M → RAFLF
10	$174,023,979	$161,605,883.52	$25,865	$3,351.03	+$174.00M → RAFLF

RAFLF vs XYLD: Complete Analysis 2026

RAFLF — Stock

Raffles Medical Group Ltd provides integrated private healthcare services primarily in Singapore, Greater China, Vietnam, Cambodia, and Japan. The company operates through Healthcare Services, Hospital Services, and Investment Holdings segments. Its flagship hospital is the Raffles Hospital, a tertiary care hospital that offers cancer, children and women care, Chinese medicine, counselling, dental, dialysis, diabetes and endocrinology, ear, nose, throat, eye, fertility, heart, internal medicine, neuroscience, pain management, rehabilitation, orthopedic, skin and aesthetics, surgery, nuclear medicine, and urology services. The company also offers emergency services, family medicine services, health screening, and various multi-disciplinary specialist clinic services. In addition, it trades in pharmaceutical and nutraceutical products, and diagnostic equipment; provides advisory and consultancy services, and develops IT solutions; and engages in research and experimental development on biotechnology, and life and medical science. Raffles Medical Group Ltd was founded in 1976 and is based in Singapore. Raffles Medical Group Ltd operates as a subsidiary of Raffles Medical Holdings Pte. Ltd.

Full RAFLF 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.