Is RINIY or RYLD a better dividend investment in 2026?

RINIY currently yields 1.18% with a 5% 5-year dividend growth rate. RYLD yields 12.14% with 5% growth. The better choice depends on your goal: RYLD offers higher current income.

What is the dividend yield difference between RINIY and RYLD?

RINIY has a forward dividend yield of 1.18% ($0.18/share annually). RYLD yields 12.14% ($1.81/share annually). The yield gap is 10.96 percentage points.

Home › Compare › RINIY vs RYLD

RINIY vs RYLD: Dividend Comparison 2026

RINIY yields 1.18% · RYLD yields 12.14%● Live data

vsPost on X →

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

🏆 RINIY wins by $8.10M in total portfolio value· pulled ahead in Year 5

INVESTMENT

TIME HORIZON10 years

RINIY

● Live price

1.18%

Share price

$15.04

Annual div

$0.18

5Y div CAGR

100%

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$8.15M

Annual income

$7,009,010.40

Full RINIY calculator →

RYLD

● Live price

12.14%

Share price

$14.95

Annual div

$1.81

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$44.5K

Annual income

$2,587.35

Full RYLD calculator →

Portfolio growth — RINIY vs RYLD

📍 RINIY pulled ahead of the other in Year 5

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	RINIY	RYLD
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, RINIY + RYLD cover 0 of 12 months — good coverage

Jan

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Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

RINIY 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.

RINIY

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

$100.59/yr

After 10yr DRIP, annual income (after tax)

$5,957,658.84/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, RINIY beats the other by $5,955,459.59/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 RINIY + RYLD for your $10,000?

RINIY: 50%RYLD: 50%

100% RYLD50/50100% RINIY

Portfolio after 10yr

$4.10M

Annual income

$3,505,798.87/yr

Blended yield

85.60%

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Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

RINIY buys

RYLD buys

No recent congressional trades found for RINIY or RYLD in the last 90 days.

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

MetricRINIYRYLD

Forward yield	1.18%	12.14% ✓
Annual dividend / share	$0.18	$1.81 ✓
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	100% ✓	0%
Portfolio after 10y	$8.15M	$44.5K ✓
Annual income after 10y	$7,009,010.40 ✓	$2,587.35
Total dividends collected	$8.03M	$18.8K ✓
Payment frequency	quarterly	quarterly
Sector	Stock	ETF

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

Year	RINIY Portfolio	RINIY Income/yr	RYLD Portfolio	RYLD Income/yr	Gap
1	$10,937	$236.68	$11,914	$1,213.65	$977.00 → RYLD
2	$12,186	$483.82	$14,099	$1,351.30	$1.9K → RYLD
3	$14,047	$1,007.65	$16,580	$1,494.55	$2.5K → RYLD
4	$17,201	$2,171.04	$19,384	$1,642.61	$2.2K → RYLD
5← crossover	$23,374	$4,969.28	$22,535	$1,794.70	+$839.00 → RINIY
6	$37,633	$12,621.90	$26,063	$1,950.00	+$11.6K → RINIY
7	$78,250	$37,983.40	$29,995	$2,107.69	+$48.3K → RINIY
8	$231,353	$147,625.80	$34,361	$2,266.99	+$197.0K → RINIY
9	$1,063,377	$815,829.05	$39,194	$2,427.12	+$1.02M → RINIY
10	$8,146,824	$7,009,010.40	$44,525	$2,587.35	+$8.10M → RINIY

RINIY vs RYLD: Complete Analysis 2026

RINIY — Stock

Rinnai Corporation is a Japanese company that manufactures and sells gas water heating, gas home heating, and commercial water heating appliances and their components. The company has operations across the globe, including Australia, Brazil, Europe, the United States, and Southeast Asia. Rinnai supplies kitchen appliances; bath appliances; living appliances, such as gas and floor heating systems; and professional products, such as gas fryers and ranges. These products are sold and distributed to various customers, including utility companies, housing equipment manufacturers, general stores, house makers, and Rinnai's global subsidiaries.

Full RINIY Calculator →

RYLD — ETF

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.