Is RTBRF or XYLD a better dividend investment in 2026?

RTBRF currently yields 5.82% with a 5% 5-year dividend growth rate. XYLD yields 11.20% with 0.5% growth. The better choice depends on your goal: XYLD offers higher current income.

What is the dividend yield difference between RTBRF and XYLD?

RTBRF has a forward dividend yield of 5.82% ($0.16/share annually). XYLD yields 11.20% ($4.30/share annually). The yield gap is 5.38 percentage points.

Home › Compare › RTBRF vs XYLD

RTBRF vs XYLD: Dividend Comparison 2026

RTBRF yields 5.82% · XYLD yields 11.20%● Live data

vsPost on X →

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

🏆 RTBRF wins by $3.5K in total portfolio value

INVESTMENT

TIME HORIZON10 years

RTBRF

● Live price

5.82%

Share price

$2.82

Annual div

$0.16

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$29.3K

Annual income

$842.72

Full RTBRF calculator →

XYLD

Global X S&P 500 Covered Call ETF

● Live price

11.20%

Share price

$38.36

Annual div

$4.30

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$25.9K

Annual income

$3,351.03

Full XYLD calculator →

Portfolio growth — RTBRF vs XYLD

📍 RTBRF 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	RTBRF	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%.

📅

Dividend Calendar Overlap

Combined, RTBRF + XYLD cover 0 of 12 months — good coverage

Jan

—

Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

RTBRF pays

XYLD pays

Both pay

Neither

💰

Tax Bracket Optimizer

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

RTBRF

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

$494.33/yr

After 10yr DRIP, annual income (after tax)

$716.31/yr

XYLD

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

$952.37/yr

After 10yr DRIP, annual income (after tax)

$2,848.38/yr

At 15% tax rate, XYLD beats the other by $2,132.06/year in after-tax income after 10 years on $10,000

⚖️

Lazy Portfolio Split Optimizer

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

RTBRF: 50%XYLD: 50%

100% XYLD50/50100% RTBRF

Portfolio after 10yr

$27.6K

Annual income

$2,096.87/yr

Blended yield

7.60%

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

RTBRF buys

XYLD buys

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

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

MetricRTBRFXYLD

Forward yield	5.82%	11.20% ✓
Annual dividend / share	$0.16	$4.30 ✓
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	0%	0%
Portfolio after 10y	$29.3K ✓	$25.9K
Annual income after 10y	$842.72	$3,351.03 ✓
Total dividends collected	$7.2K	$20.2K ✓
Payment frequency	quarterly	monthly
Sector	Stock	ETF

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

Year	RTBRF Portfolio	RTBRF Income/yr	XYLD Portfolio	XYLD Income/yr	Gap
1← crossover	$11,282	$581.56	$10,840	$1,120.44	+$442.00 → RTBRF
2	$12,684	$613.17	$11,786	$1,249.59	+$898.00 → RTBRF
3	$14,217	$644.32	$12,854	$1,397.78	+$1.4K → RTBRF
4	$15,887	$674.90	$14,063	$1,568.33	+$1.8K → RTBRF
5	$17,704	$704.85	$15,434	$1,765.19	+$2.3K → RTBRF
6	$19,677	$734.07	$16,995	$1,993.14	+$2.7K → RTBRF
7	$21,817	$762.52	$18,777	$2,257.95	+$3.0K → RTBRF
8	$24,134	$790.13	$20,818	$2,566.58	+$3.3K → RTBRF
9	$26,640	$816.88	$23,163	$2,927.50	+$3.5K → RTBRF
10	$29,348	$842.72	$25,865	$3,351.03	+$3.5K → RTBRF

RTBRF vs XYLD: Complete Analysis 2026

RTBRF — Stock

Restaurant Brands New Zealand Limited, together with its subsidiaries, operates quick service and takeaway restaurants in New Zealand, Australia, California, Hawaii, Saipan, and Guam. The company operates the KFC, Pizza Hut, Carl's Jr., and Taco Bell brands in New Zealand; the KFC and Taco Bell brands in Australia and California; and the Taco Bell and Pizza Hut brands in Hawaii, Guam, and Saipan. As of December 31, 2021, it operated 359 stores, including 105 KFC, 6 Pizza Hut, 10 Taco Bell, and 16 Carl's Jr. in New Zealand; 71 KFC and 8 Taco Bell in Australia; 60 KFC and 10 Taco Bell in California; and 36 Pizza Hut and 37 Taco Bell in Hawaii, Saipan, and Guam. The company was incorporated in 1997 and is based in Penrose, New Zealand.

Full RTBRF 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 →

📬

Get this RTBRF vs XYLD comparison by email

Save your analysis + weekly dividend insights. Free forever.

More comparisons

RTBRF vs SCHD RTBRF vs JEPI RTBRF vs O RTBRF vs KO RTBRF vs MAIN RTBRF vs QYLD RTBRF vs JEPQ RTBRF vs RYLD

⚠️ Educational purposes only. Not financial advice. Congressional trades sourced from SEC STOCK Act filings via FMP. Past performance does not guarantee future results.