Is RFLFY or QYLD a better dividend investment in 2026?

RFLFY currently yields 150.38% with a 5% 5-year dividend growth rate. QYLD yields 11.92% with -2.1% growth. The better choice depends on your goal: RFLFY offers higher current income.

What is the dividend yield difference between RFLFY and QYLD?

RFLFY has a forward dividend yield of 150.38% ($2.00/share annually). QYLD yields 11.92% ($2.04/share annually). The yield gap is 138.46 percentage points.

Home › Compare › RFLFY vs QYLD

RFLFY vs QYLD: Dividend Comparison 2026

RFLFY yields 150.38% · QYLD yields 11.92%● Live data

vsPost on X →

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

🏆 RFLFY wins by $25.27M in total portfolio value

INVESTMENT

TIME HORIZON10 years

RFLFY

● Live price

150.38%

Share price

$1.33

Annual div

$2.00

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$25.30M

Annual income

$10,960,906.30

Full RFLFY calculator →

QYLD

Global X Nasdaq 100 Covered Call ETF

● Live price

11.92%

Share price

$17.15

Annual div

$2.04

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$25.4K

Annual income

$5,659.31

Full QYLD calculator →

Portfolio growth — RFLFY vs QYLD

📍 RFLFY pulled ahead of the other in Year 1

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	RFLFY	QYLD
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%.

📅

Dividend Calendar Overlap

Combined, RFLFY + QYLD cover 0 of 12 months — good coverage

Jan

—

Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

RFLFY pays

QYLD pays

Both pay

Neither

💰

Tax Bracket Optimizer

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

RFLFY

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

$12,781.95/yr

After 10yr DRIP, annual income (after tax)

$9,316,770.36/yr

QYLD

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

$1,013.51/yr

After 10yr DRIP, annual income (after tax)

$4,810.41/yr

At 15% tax rate, RFLFY beats the other by $9,311,959.94/year in after-tax income after 10 years on $10,000

⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of RFLFY + QYLD for your $10,000?

RFLFY: 50%QYLD: 50%

100% QYLD50/50100% RFLFY

Portfolio after 10yr

$12.66M

Annual income

$5,483,282.81/yr

Blended yield

43.30%

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

RFLFY buys

QYLD buys

Politician	Chamber	Ticker	Type	Amount	Date
Tim Moore	🏢 House	$QYLD	▼ Sell	$15,001 - $50,000	2025-05-02
Tim Moore	🏢 House	$QYLD	▲ Buy	$15,001 - $50,000	2025-04-07
Dwight Evans	🏢 House	$QYLD	▼ Sell	$1,001 - $15,000	2022-11-14
Dwight Evans	🏢 House	$QYLD	▼ Sell	$1,001 - $15,000	2020-10-29

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

MetricRFLFYQYLD

Forward yield	150.38% ✓	11.92%
Annual dividend / share	$2.00	$2.04 ✓
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	0%	0%
Portfolio after 10y	$25.30M	$25.4K ✓
Annual income after 10y	$10,960,906.30 ✓	$5,659.31
Total dividends collected	$23.42M	$27.1K ✓
Payment frequency	quarterly	monthly
Sector	Stock	ETF

Year-by-year: RFLFY vs QYLD ($10,000, DRIP)

Year	RFLFY Portfolio	RFLFY Income/yr	QYLD Portfolio	QYLD Income/yr	Gap
1← crossover	$25,738	$15,037.59	$10,352	$1,192.36	+$15.4K → RFLFY
2	$63,710	$36,171.17	$10,830	$1,347.57	+$52.9K → RFLFY
3	$151,850	$83,679.89	$11,460	$1,539.07	+$140.4K → RFLFY
4	$348,878	$186,398.25	$12,275	$1,777.84	+$336.6K → RFLFY
5	$773,536	$400,236.35	$13,323	$2,078.95	+$760.2K → RFLFY
6	$1,657,037	$829,353.62	$14,667	$2,463.34	+$1.64M → RFLFY
7	$3,433,410	$1,660,381.19	$16,396	$2,960.57	+$3.42M → RFLFY
8	$6,889,021	$3,215,271.36	$18,631	$3,612.97	+$6.87M → RFLFY
9	$13,400,534	$6,029,282.19	$21,548	$4,482.15	+$13.38M → RFLFY
10	$25,299,478	$10,960,906.30	$25,398	$5,659.31	+$25.27M → RFLFY

RFLFY vs QYLD: Complete Analysis 2026

RFLFY — Stock

Raffles Education Corporation Limited, an investment holding company, provides education and related services in ASEAN, North Asia, South Asia, Australasia, and Europe. It operates through four segments: Education, Education Facilities Rental Service, Real Estate Investment & Development, and Corporate & Others. The company offers degree, diploma, and full-time certificate programs in design and business-oriented disciplines; pre-tertiary education; and K12 curriculum. In addition, it operates Raffles University Iskandar; Tianjin University of Commerce Boustead College; Raffles American School that offers American K-12 education; and Oriental University City campus. Further, it engages in education facilities leasing and commercial leasing activities for supporting facilities; and real estate investment and development activities. Additionally, the company offers education supporting; business and management consultancy services; and vocational and technical training services. It operates through a network of 18 colleges and universities across 10 countries. Raffles Education Corporation Limited was founded in 1990 and is based in Singapore.

Full RFLFY Calculator →

QYLD — ETF

The Global X Nasdaq 100 Covered Call ETF (QYLD) seeks to provide investment results that correspond generally to the price and yield performance, before fees and expenses, of the Cboe Nasdaq-100 BuyWrite V2 Index.

Full QYLD Calculator →

📬

Get this RFLFY vs QYLD comparison by email

Save your analysis + weekly dividend insights. Free forever.

More comparisons

RFLFY vs SCHD RFLFY vs JEPI RFLFY vs O RFLFY vs KO RFLFY vs MAIN RFLFY vs XYLD RFLFY vs JEPQ RFLFY vs RYLD

⚠️ Educational purposes only. Not financial advice. Congressional trades sourced from SEC STOCK Act filings via FMP. Past performance does not guarantee future results.