HomeCompareRILA vs DIVO

RILA vs DIVO: Dividend Comparison 2026

RILA yields 0.12% · DIVO yields 6.49%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 DIVO wins by $10.9K in total portfolio value
10 years
RILA
RILA
● Live price
0.12%
Share price
$10.40
Annual div
$0.01
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$19.8K
Annual income
$12.41
Full RILA calculator →
DIVO
DIVO
● Live price
6.49%
Share price
$44.85
Annual div
$2.91
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$30.7K
Annual income
$981.68
Full DIVO calculator →

Portfolio growth — RILA vs DIVO

📍 DIVO 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 PeriodRILADIVO
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, RILA + DIVO cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
RILA pays
DIVO pays
Both pay
Neither
💰

Tax Bracket Optimizer

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

RILA
Annual income on $10K today (after 15% tax)
$10.46/yr
After 10yr DRIP, annual income (after tax)
$10.55/yr
DIVO
Annual income on $10K today (after 15% tax)
$552.00/yr
After 10yr DRIP, annual income (after tax)
$834.43/yr
At 15% tax rate, DIVO beats the other by $823.88/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of RILA + DIVO for your $10,000?

RILA: 50%DIVO: 50%
100% DIVO50/50100% RILA
Portfolio after 10yr
$25.3K
Annual income
$497.04/yr
Blended yield
1.97%
🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

RILA buys
0
DIVO buys
0
No recent congressional trades found for RILA or DIVO in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricRILADIVO
Forward yield0.12%6.49%
Annual dividend / share$0.01$2.91
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR0%0%
Portfolio after 10y$19.8K$30.7K
Annual income after 10y$12.41$981.68
Total dividends collected$124.00$8.2K
Payment frequencyquarterlyquarterly
SectorStockETF

Year-by-year: RILA vs DIVO ($10,000, DRIP)

YearRILA PortfolioRILA Income/yrDIVO PortfolioDIVO Income/yrGap
1← crossover$10,712$12.31$11,349$649.42$637.00DIVO
2$11,474$12.32$12,833$688.83$1.4KDIVO
3$12,290$12.34$14,459$727.90$2.2KDIVO
4$13,163$12.35$16,238$766.49$3.1KDIVO
5$14,096$12.36$18,179$804.47$4.1KDIVO
6$15,096$12.37$20,293$841.71$5.2KDIVO
7$16,165$12.38$22,591$878.14$6.4KDIVO
8$17,309$12.39$25,087$913.65$7.8KDIVO
9$18,533$12.40$27,791$948.18$9.3KDIVO
10$19,842$12.41$30,718$981.68$10.9KDIVO

RILA vs DIVO: Complete Analysis 2026

RILAStock

RILA targets US stocks of any capitalization perceived to have growth potential. The fund considers equity securities from two growth indices representing all-cap and large-cap companies. Both indices select companies based on growth factor scores and solvency criteria. The fund seeks to build a portfolio with a 65% match to the all-cap index and 35% to the large-cap index. Target allocations may be adjusted based on the fund managers judgment and analysis of broad market conditions and individual securities. The fund considers interest rates, trading volume and market sentiment indicators, market trends and sectors, individual securities, and other financial data. Index reconstitution and rebalancing inform security selection. However, as an actively managed ETF, the fund manager can buy or sell securities as part of their review or at any time at their discretion.

Full RILA Calculator →

DIVOETF

DIVO is an ETF of high-quality large cap companies with a history of dividend and earnings growth, along with a tactical covered call* strategy on individual stocks. DIVO is strategically designed to offer high levels of total return on a risk-adjusted basis.

Full DIVO 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.