Is RESP or RYLD a better dividend investment in 2026?

RESP currently yields 0.40% 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 RESP and RYLD?

RESP has a forward dividend yield of 0.40% ($0.20/share annually). RYLD yields 4.00% ($2.00/share annually). The yield gap is 3.60 percentage points.

Home › Compare › RESP vs RYLD

RESP vs RYLD: Dividend Comparison 2026

RESP yields 0.40% · RYLD yields 4.00%● Live data

vsPost on X →

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

🏆 RYLD wins by $7.8K in total portfolio value

INVESTMENT

TIME HORIZON10 years

RESP

● Live price

0.40%

Share price

$50.79

Annual div

$0.21

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$20.2K

Annual income

$41.43

Full RESP 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 — RESP 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	RESP	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, RESP + RYLD cover 0 of 12 months — good coverage

Jan

—

Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

RESP 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.

RESP

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

$34.31/yr

After 10yr DRIP, annual income (after tax)

$35.22/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 $729.10/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 RESP + RYLD for your $10,000?

RESP: 50%RYLD: 50%

100% RYLD50/50100% RESP

Portfolio after 10yr

$24.1K

Annual income

$470.32/yr

Blended yield

1.95%

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

RESP buys

RYLD buys

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

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

MetricRESPRYLD

Forward yield	0.40%	4.00% ✓
Annual dividend / share	$0.21	$2.00 ✓
Payout ratio	50%	50%
1-year div growth	0%	5% ✓
5-year div CAGR	0%	5% ✓
Portfolio after 10y	$20.2K	$28.0K ✓
Annual income after 10y	$41.43	$899.19 ✓
Total dividends collected	$409.00 ✓	$6.4K
Payment frequency	quarterly	quarterly
Sector	Stock	ETF

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

Year	RESP Portfolio	RESP Income/yr	RYLD Portfolio	RYLD Income/yr	Gap
1← crossover	$10,740	$40.36	$11,120	$420.00	$380.00 → RYLD
2	$11,533	$40.51	$12,357	$458.31	$824.00 → RYLD
3	$12,381	$40.66	$13,721	$499.76	$1.3K → RYLD
4	$13,288	$40.79	$15,227	$544.58	$1.9K → RYLD
5	$14,259	$40.92	$16,885	$593.02	$2.6K → RYLD
6	$15,298	$41.03	$18,713	$645.34	$3.4K → RYLD
7	$16,410	$41.14	$20,724	$701.81	$4.3K → RYLD
8	$17,600	$41.25	$22,938	$762.73	$5.3K → RYLD
9	$18,874	$41.34	$25,372	$828.41	$6.5K → RYLD
10	$20,236	$41.43	$28,047	$899.19	$7.8K → RYLD

RESP vs RYLD: Complete Analysis 2026

RESP — Stock

The fund is actively managed using a model-based approach. It seeks to achieve its investment objective by investing primarily in U.S. equity securities that exhibit certain characteristics that the fund’s investment adviser believes to be indicative of positive future returns as well as incorporating favorable environmental, social, and governance (“ESG”) characteristics based on a model developed by the adviser. The adviser seeks to identify equity securities that have the highest potential for returns based on proprietary measures of fundamental factors. The fund is non-diversified.

Full RESP 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.