Is RAYE or RYLD a better dividend investment in 2026?

RAYE currently yields 2.21% with a 5% 5-year dividend growth rate. RYLD yields 4.00% with 5% growth. The better choice depends on your goal: RYLD offers higher current income.

What is the dividend yield difference between RAYE and RYLD?

RAYE has a forward dividend yield of 2.21% ($0.64/share annually). RYLD yields 4.00% ($2.00/share annually). The yield gap is 1.79 percentage points.

Home › Compare › RAYE vs RYLD

RAYE vs RYLD: Dividend Comparison 2026

RAYE yields 2.21% · RYLD yields 4.00%● Live data

vsPost on X →

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

🏆 RYLD wins by $5.1K in total portfolio value

INVESTMENT

TIME HORIZON10 years

RAYE

● Live price

2.21%

Share price

$29.00

Annual div

$0.64

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$22.9K

Annual income

$255.20

Full RAYE calculator →

RYLD

● Live price

4.00%

Share price

$50.00

Annual div

$2.00

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$28.0K

Annual income

$899.19

Full RYLD calculator →

Portfolio growth — RAYE vs RYLD

📍 RYLD 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	RAYE	RYLD
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, RAYE + RYLD cover 0 of 12 months — good coverage

Jan

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Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

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Sep

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Oct

—

Nov

—

Dec

—

RAYE pays

RYLD pays

Both pay

Neither

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Tax Bracket Optimizer

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

RAYE

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

$188.03/yr

After 10yr DRIP, annual income (after tax)

$216.92/yr

RYLD

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

$340.00/yr

After 10yr DRIP, annual income (after tax)

$764.31/yr

At 15% tax rate, RYLD beats the other by $547.39/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 RAYE + RYLD for your $10,000?

RAYE: 50%RYLD: 50%

100% RYLD50/50100% RAYE

Portfolio after 10yr

$25.5K

Annual income

$577.20/yr

Blended yield

2.26%

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

RAYE buys

RYLD buys

No recent congressional trades found for RAYE or RYLD in the last 90 days.

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

MetricRAYERYLD

Forward yield	2.21%	4.00% ✓
Annual dividend / share	$0.64	$2.00 ✓
Payout ratio	50%	50%
1-year div growth	0%	5% ✓
5-year div CAGR	0%	5% ✓
Portfolio after 10y	$22.9K	$28.0K ✓
Annual income after 10y	$255.20	$899.19 ✓
Total dividends collected	$2.4K	$6.4K ✓
Payment frequency	quarterly	quarterly
Sector	Stock	ETF

Year-by-year: RAYE vs RYLD ($10,000, DRIP)

Year	RAYE Portfolio	RAYE Income/yr	RYLD Portfolio	RYLD Income/yr	Gap
1← crossover	$10,921	$221.21	$11,120	$420.00	$199.00 → RYLD
2	$11,911	$225.78	$12,357	$458.31	$446.00 → RYLD
3	$12,975	$230.14	$13,721	$499.76	$746.00 → RYLD
4	$14,118	$234.30	$15,227	$544.58	$1.1K → RYLD
5	$15,345	$238.25	$16,885	$593.02	$1.5K → RYLD
6	$16,661	$242.01	$18,713	$645.34	$2.1K → RYLD
7	$18,072	$245.58	$20,724	$701.81	$2.7K → RYLD
8	$19,586	$248.96	$22,938	$762.73	$3.4K → RYLD
9	$21,210	$252.17	$25,372	$828.41	$4.2K → RYLD
10	$22,950	$255.20	$28,047	$899.19	$5.1K → RYLD

RAYE vs RYLD: Complete Analysis 2026

RAYE — Stock

The fund invests, under normal circumstances, at least 80% of its net assets plus any borrowings for investment purposes in equity securities of emerging market companies. The Adviser considers a company to be an emerging market company if it is organized or maintains its principal place of business in an emerging market country. The equity securities in which the it invests are primarily common stocks and depositary receipts, including unsponsored depositary receipts, but may also include preferred stock and securities of other investment companies.

Full RAYE Calculator →

RYLD — ETF

RYLD is a dividend-paying stock. Use this calculator to estimate your future dividend income, DRIP compounding returns, and passive income potential from investing in RYLD shares.

Full RYLD 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.