HomeCompareRILA vs RYLD

RILA vs RYLD: Dividend Comparison 2026

RILA yields 0.12% · RYLD yields 12.14%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 RYLD wins by $24.7K 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 →
RYLD
RYLD
● Live price
12.14%
Share price
$14.95
Annual div
$1.81
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$44.5K
Annual income
$2,587.35
Full RYLD calculator →

Portfolio growth — RILA 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 PeriodRILARYLD
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 + RYLD cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
RILA 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.

RILA
Annual income on $10K today (after 15% tax)
$10.46/yr
After 10yr DRIP, annual income (after tax)
$10.55/yr
RYLD
Annual income on $10K today (after 15% tax)
$1,031.60/yr
After 10yr DRIP, annual income (after tax)
$2,199.25/yr
At 15% tax rate, RYLD beats the other by $2,188.70/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 RILA + RYLD for your $10,000?

RILA: 50%RYLD: 50%
100% RYLD50/50100% RILA
Portfolio after 10yr
$32.2K
Annual income
$1,299.87/yr
Blended yield
4.04%
🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

RILA buys
0
RYLD buys
0
No recent congressional trades found for RILA or RYLD in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricRILARYLD
Forward yield0.12%12.14%
Annual dividend / share$0.01$1.81
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR0%0%
Portfolio after 10y$19.8K$44.5K
Annual income after 10y$12.41$2,587.35
Total dividends collected$124.00$18.8K
Payment frequencyquarterlyquarterly
SectorStockETF

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

YearRILA PortfolioRILA Income/yrRYLD PortfolioRYLD Income/yrGap
1← crossover$10,712$12.31$11,914$1,213.65$1.2KRYLD
2$11,474$12.32$14,099$1,351.30$2.6KRYLD
3$12,290$12.34$16,580$1,494.55$4.3KRYLD
4$13,163$12.35$19,384$1,642.61$6.2KRYLD
5$14,096$12.36$22,535$1,794.70$8.4KRYLD
6$15,096$12.37$26,063$1,950.00$11.0KRYLD
7$16,165$12.38$29,995$2,107.69$13.8KRYLD
8$17,309$12.39$34,361$2,266.99$17.1KRYLD
9$18,533$12.40$39,194$2,427.12$20.7KRYLD
10$19,842$12.41$44,525$2,587.35$24.7KRYLD

RILA vs RYLD: 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 →

RYLDETF

The Global X Russell 2000 Covered Call ETF (RYLD) seeks to provide investment results that correspond generally to the price and yield performance, before fees and expenses, of the Cboe Russell 2000 BuyWrite Index.

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.