Is RILYM or XYLD a better dividend investment in 2026?

RILYM currently yields 4.76% with a 5% 5-year dividend growth rate. XYLD yields 10.98% with 0.5% growth. The better choice depends on your goal: XYLD offers higher current income.

What is the dividend yield difference between RILYM and XYLD?

RILYM has a forward dividend yield of 4.76% ($1.20/share annually). XYLD yields 10.98% ($4.30/share annually). The yield gap is 6.22 percentage points.

Home › Compare › RILYM vs XYLD

RILYM vs XYLD: Dividend Comparison 2026

RILYM yields 4.76% · XYLD yields 10.98%● Live data

vsPost on X →

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

🏆 XYLD wins by $4.8K in total portfolio value· pulled ahead in Year 3

INVESTMENT

TIME HORIZON10 years

RILYM

● Live price

4.76%

Share price

$25.11

Annual div

$1.20

5Y div CAGR

-50%

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$20.5K

Annual income

$0.48

Full RILYM calculator →

XYLD

Global X S&P 500 Covered Call ETF

● Live price

10.98%

Share price

$39.13

Annual div

$4.30

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$25.3K

Annual income

$3,219.02

Full XYLD calculator →

Portfolio growth — RILYM vs XYLD

📍 XYLD pulled ahead of the other in Year 3

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	RILYM	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, RILYM + XYLD cover 0 of 12 months — good coverage

Jan

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Feb

—

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

—

Dec

—

RILYM pays

XYLD pays

Both pay

Neither

💰

Tax Bracket Optimizer

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

RILYM

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

$404.63/yr

After 10yr DRIP, annual income (after tax)

$0.41/yr

XYLD

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

$933.63/yr

After 10yr DRIP, annual income (after tax)

$2,736.17/yr

At 15% tax rate, XYLD beats the other by $2,735.76/year in after-tax income after 10 years on $10,000

⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of RILYM + XYLD for your $10,000?

RILYM: 50%XYLD: 50%

100% XYLD50/50100% RILYM

Portfolio after 10yr

$22.9K

Annual income

$1,609.75/yr

Blended yield

7.03%

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

RILYM buys

XYLD buys

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

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

MetricRILYMXYLD

Forward yield	4.76%	10.98% ✓
Annual dividend / share	$1.20	$4.30 ✓
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	-50%	0% ✓
Portfolio after 10y	$20.5K	$25.3K ✓
Annual income after 10y	$0.48	$3,219.02 ✓
Total dividends collected	$482.00 ✓	$19.6K
Payment frequency	quarterly	monthly
Sector	Stock	ETF

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

Year	RILYM Portfolio	RILYM Income/yr	XYLD Portfolio	XYLD Income/yr	Gap
1	$10,938	$238.02	$10,818	$1,098.39	+$120.00 → RILYM
2	$11,825	$121.66	$11,738	$1,222.51	+$87.00 → RILYM
3← crossover	$12,715	$61.46	$12,774	$1,364.64	$59.00 → XYLD
4	$13,635	$30.88	$13,944	$1,527.86	$309.00 → XYLD
5	$14,605	$15.47	$15,270	$1,715.87	$665.00 → XYLD
6	$15,636	$7.75	$16,775	$1,933.09	$1.1K → XYLD
7	$16,734	$3.87	$18,490	$2,184.87	$1.8K → XYLD
8	$17,907	$1.94	$20,450	$2,477.63	$2.5K → XYLD
9	$19,162	$0.97	$22,697	$2,819.19	$3.5K → XYLD
10	$20,504	$0.48	$25,280	$3,219.02	$4.8K → XYLD

RILYM vs XYLD: Complete Analysis 2026

RILYM — Stock

B. Riley Financial, Inc. engages in the provision of financial services and solutions to the capital raising and financial advisory needs of public and private firms. It operates through the following segments: Capital Markets, Wealth Management, Financial Consulting, Auction and Liquidation, Communications, and Consumer. The Capital Markets segment provides investment banking, corporate finance, research, wealth management, and sales and trading services to corporate, institutional, and high net worth clients. The Wealth Management segment offers retail brokerage, investment management, and insurance, and tax preparation services. The Financial Consulting segment focuses on a variety of specialized advisory services spanning bankruptcy, restructuring, turnaround management, forensic accounting, crisis and litigation support, appraisal and valuation, real estate, and operations management. The Auction and Liquidation segment deals with retail liquidation services. The Communications segment is composed of a portfolio of companies acquired for attractive risk-adjusted investment return characteristics. The Consumer segment includes Targus and the Brands investment portfolio. The company was founded in 1973 and is headquartered in Los Angeles, CA.

Full RILYM 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.