Is RLFTD or XYLD a better dividend investment in 2026?

RLFTD currently yields 49.02% with a 5% 5-year dividend growth rate. XYLD yields 10.98% with 0.5% growth. The better choice depends on your goal: RLFTD offers higher current income.

What is the dividend yield difference between RLFTD and XYLD?

RLFTD has a forward dividend yield of 49.02% ($2.00/share annually). XYLD yields 10.98% ($4.30/share annually). The yield gap is 38.04 percentage points.

Home › Compare › RLFTD vs XYLD

RLFTD vs XYLD: Dividend Comparison 2026

RLFTD yields 49.02% · XYLD yields 10.98%● Live data

vsPost on X →

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

🏆 RLFTD wins by $349.2K in total portfolio value

INVESTMENT

TIME HORIZON10 years

RLFTD

● Live price

49.02%

Share price

$4.08

Annual div

$2.00

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$374.5K

Annual income

$74,708.98

Full RLFTD 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 — RLFTD vs XYLD

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

Jan

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Feb

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Mar

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Apr

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May

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Aug

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Sep

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Dec

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RLFTD 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.

RLFTD

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

$4,166.67/yr

After 10yr DRIP, annual income (after tax)

$63,502.63/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, RLFTD beats the other by $60,766.47/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 RLFTD + XYLD for your $10,000?

RLFTD: 50%XYLD: 50%

100% XYLD50/50100% RLFTD

Portfolio after 10yr

$199.9K

Annual income

$38,964.00/yr

Blended yield

19.49%

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

RLFTD buys

XYLD buys

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

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

MetricRLFTDXYLD

Forward yield	49.02% ✓	10.98%
Annual dividend / share	$2.00	$4.30 ✓
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	0%	0%
Portfolio after 10y	$374.5K ✓	$25.3K
Annual income after 10y	$74,708.98 ✓	$3,219.02
Total dividends collected	$297.4K ✓	$19.6K
Payment frequency	quarterly	monthly
Sector	Stock	ETF

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

Year	RLFTD Portfolio	RLFTD Income/yr	XYLD Portfolio	XYLD Income/yr	Gap
1← crossover	$15,602	$4,901.96	$10,818	$1,098.39	+$4.8K → RLFTD
2	$23,842	$7,147.68	$11,738	$1,222.51	+$12.1K → RLFTD
3	$35,719	$10,208.01	$12,774	$1,364.64	+$22.9K → RLFTD
4	$52,512	$14,292.70	$13,944	$1,527.86	+$38.6K → RLFTD
5	$75,825	$19,637.72	$15,270	$1,715.87	+$60.6K → RLFTD
6	$107,634	$26,501.16	$16,775	$1,933.09	+$90.9K → RLFTD
7	$150,326	$35,157.45	$18,490	$2,184.87	+$131.8K → RLFTD
8	$206,739	$45,889.95	$20,450	$2,477.63	+$186.3K → RLFTD
9	$280,193	$58,982.29	$22,697	$2,819.19	+$257.5K → RLFTD
10	$374,515	$74,708.98	$25,280	$3,219.02	+$349.2K → RLFTD

RLFTD vs XYLD: Complete Analysis 2026

RLFTD — Stock

Relief Therapeutics Holding AG, a biopharmaceutical company, provides patients with therapeutic relief from serious diseases with high unmet medical need in Switzerland, rest of Europe, North America, and internationally. The company focuses on clinical-stage programs based on molecules with a history of clinical use and either initial human activity or efficacy data or a strong scientific rationale. Its lead compound is RLF-100 (aviptadil), a synthetic human vasoactive intestinal peptide (VIP) with a multifaceted mode of action for respiratory indications, which is in Phase 3 clinical trials for treating COVID-19-induced acute respiratory distress syndrome and moderate to severe COVID-19 lung injury; in Phase 1 clinical trial for the treatment of patients with acute lung injury in other intensive care unit; and in Phase 2 clinical trial for the treatment of pulmonary sarcoidosis. The company is also developing ACER-001, a proprietary powder formulation of sodium phenylbutyrate, which has completed Phase 3 clinical trial for urea cycle disorders; and in Phase 1 clinical trial for the treatment of maple syrup urine disease. In addition, it is developing APR-TD011, a spray-formulated hypotonic acid-oxidizing solution, which is in Phase 2 clinical trial for treating epidermolysis bullosa. The company was founded in 2013 and is based in Geneva, Switzerland.

Full RLFTD 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.