Is RICOF or XYLD a better dividend investment in 2026?

RICOF currently yields 2.92% with a 5% 5-year dividend growth rate. XYLD yields 10.93% with 0.5% growth. The better choice depends on your goal: XYLD offers higher current income.

What is the dividend yield difference between RICOF and XYLD?

RICOF has a forward dividend yield of 2.92% ($0.23/share annually). XYLD yields 10.93% ($4.30/share annually). The yield gap is 8.01 percentage points.

Home › Compare › RICOF vs XYLD

RICOF vs XYLD: Dividend Comparison 2026

RICOF yields 2.92% · XYLD yields 10.93%● Live data

vsPost on X →

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

🏆 RICOF wins by $101.4K in total portfolio value

INVESTMENT

TIME HORIZON10 years

RICOF

● Live price

2.92%

Share price

$8.00

Annual div

$0.23

5Y div CAGR

44.5%

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$126.5K

Annual income

$46,947.14

Full RICOF calculator →

XYLD

Global X S&P 500 Covered Call ETF

● Live price

10.93%

Share price

$39.31

Annual div

$4.30

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$25.1K

Annual income

$3,189.45

Full XYLD calculator →

Portfolio growth — RICOF vs XYLD

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

Jan

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Feb

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Mar

—

Apr

—

May

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Jun

—

Jul

—

Aug

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Sep

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Oct

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Nov

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Dec

—

RICOF 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.

RICOF

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

$248.58/yr

After 10yr DRIP, annual income (after tax)

$39,905.07/yr

XYLD

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

$929.36/yr

After 10yr DRIP, annual income (after tax)

$2,711.03/yr

At 15% tax rate, RICOF beats the other by $37,194.04/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 RICOF + XYLD for your $10,000?

RICOF: 50%XYLD: 50%

100% XYLD50/50100% RICOF

Portfolio after 10yr

$75.8K

Annual income

$25,068.29/yr

Blended yield

33.06%

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

RICOF buys

XYLD buys

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

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

MetricRICOFXYLD

Forward yield	2.92%	10.93% ✓
Annual dividend / share	$0.23	$4.30 ✓
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	44.5% ✓	0%
Portfolio after 10y	$126.5K ✓	$25.1K
Annual income after 10y	$46,947.14 ✓	$3,189.45
Total dividends collected	$97.8K ✓	$19.4K
Payment frequency	quarterly	monthly
Sector	Stock	ETF

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

Year	RICOF Portfolio	RICOF Income/yr	XYLD Portfolio	XYLD Income/yr	Gap
1← crossover	$11,123	$422.59	$10,813	$1,093.36	+$310.00 → RICOF
2	$12,536	$634.76	$11,727	$1,216.35	+$809.00 → RICOF
3	$14,380	$966.15	$12,756	$1,357.11	+$1.6K → RICOF
4	$16,883	$1,496.64	$13,917	$1,518.69	+$3.0K → RICOF
5	$20,438	$2,373.02	$15,232	$1,704.71	+$5.2K → RICOF
6	$25,748	$3,879.45	$16,725	$1,919.54	+$9.0K → RICOF
7	$34,150	$6,600.28	$18,425	$2,168.40	+$15.7K → RICOF
8	$48,363	$11,822.32	$20,367	$2,457.63	+$28.0K → RICOF
9	$74,359	$22,610.33	$22,592	$2,794.87	+$51.8K → RICOF
10	$126,511	$46,947.14	$25,149	$3,189.45	+$101.4K → RICOF

RICOF vs XYLD: Complete Analysis 2026

RICOF — Stock

Ricoh Company, Ltd. provides various office and commercial printing solutions and related solutions worldwide. It offers multifunctional printers, printers, industrial inkjets, garment and production printers, 3D printers, projectors, video and web conference systems, and interactive whiteboards, as well as inkjet heads and modules. The company also provides digital, spherical, single lens reflex, action, and infrared thermography cameras; and automotive stereo cameras, automotive precision machined parts, and small and low energy mobile ICs. In addition, it produces and markets thermal paper and media for food labels, clothing tags, tickets, and handy terminal papers; manufactures and sells watches; and provides magnetoencephalography systems used in brain activity measurement, indoor location information services, bed sensor systems, automated external defibrillators, integrative medical care cooperation systems, and genetic testing substances. Further, the company provides managed print, application/ business process, communication, intelligent workplace, and information technology services; and solar power facility operations and maintenance services, as well as electricity sales services. Ricoh Company, Ltd. serves manufacturing, retail, healthcare, real estate, travel and tourism, and engineering and construction sectors. The company was formerly known as Riken Optical Co., Ltd. and changed its name to Ricoh Company, Ltd. in 1963. Ricoh Company, Ltd. was founded in 1936 and is headquartered in Tokyo, Japan.

Full RICOF 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.