Is RMBFX or XYLD a better dividend investment in 2026?

RMBFX currently yields 30.94% with a 5% 5-year dividend growth rate. XYLD yields 10.98% with 0.5% growth. The better choice depends on your goal: RMBFX offers higher current income.

What is the dividend yield difference between RMBFX and XYLD?

RMBFX has a forward dividend yield of 30.94% ($2.00/share annually). XYLD yields 10.98% ($4.30/share annually). The yield gap is 19.96 percentage points.

Home › Compare › RMBFX vs XYLD

RMBFX vs XYLD: Dividend Comparison 2026

RMBFX yields 30.94% · XYLD yields 10.98%● Live data

vsPost on X →

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

🏆 RMBFX wins by $114.4K in total portfolio value

INVESTMENT

TIME HORIZON10 years

RMBFX

● Live price

30.94%

Share price

$6.46

Annual div

$2.00

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$139.7K

Annual income

$18,987.95

Full RMBFX 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 — RMBFX vs XYLD

📍 RMBFX pulled ahead of the other in Year 1

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

Jan

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Feb

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Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

RMBFX 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.

RMBFX

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

$2,629.83/yr

After 10yr DRIP, annual income (after tax)

$16,139.76/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, RMBFX beats the other by $13,403.59/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 RMBFX + XYLD for your $10,000?

RMBFX: 50%XYLD: 50%

100% XYLD50/50100% RMBFX

Portfolio after 10yr

$82.5K

Annual income

$11,103.49/yr

Blended yield

13.46%

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

RMBFX buys

XYLD buys

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

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

MetricRMBFXXYLD

Forward yield	30.94% ✓	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	$139.7K ✓	$25.3K
Annual income after 10y	$18,987.95 ✓	$3,219.02
Total dividends collected	$96.5K ✓	$19.6K
Payment frequency	quarterly	monthly
Sector	Stock	ETF

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

Year	RMBFX Portfolio	RMBFX Income/yr	XYLD Portfolio	XYLD Income/yr	Gap
1← crossover	$13,794	$3,093.92	$10,818	$1,098.39	+$3.0K → RMBFX
2	$18,748	$3,988.52	$11,738	$1,222.51	+$7.0K → RMBFX
3	$25,127	$5,066.36	$12,774	$1,364.64	+$12.4K → RMBFX
4	$33,232	$6,345.90	$13,944	$1,527.86	+$19.3K → RMBFX
5	$43,401	$7,843.74	$15,270	$1,715.87	+$28.1K → RMBFX
6	$56,014	$9,574.01	$16,775	$1,933.09	+$39.2K → RMBFX
7	$71,482	$11,547.80	$18,490	$2,184.87	+$53.0K → RMBFX
8	$90,259	$13,772.75	$20,450	$2,477.63	+$69.8K → RMBFX
9	$112,830	$16,252.79	$22,697	$2,819.19	+$90.1K → RMBFX
10	$139,716	$18,987.95	$25,280	$3,219.02	+$114.4K → RMBFX

RMBFX vs XYLD: Complete Analysis 2026

RMBFX — Stock

The investment seeks capital appreciation. The fund pursues its investment objective by investing, under normal circumstances, at least 80% of its net assets (plus any borrowings for investment purposes) in equity instruments of companies of any market capitalization that are in the financial services sector. It will take long and short positions in companies in the financial services sector of any size. The fund is non-diversified.

Full RMBFX 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.