Is RTL or RYLD a better dividend investment in 2026?

RTL currently yields 11.17% with a 5% 5-year dividend growth rate. RYLD yields 12.39% with 5% growth. The better choice depends on your goal: RYLD offers higher current income.

What is the dividend yield difference between RTL and RYLD?

RTL has a forward dividend yield of 11.17% ($0.85/share annually). RYLD yields 12.39% ($1.81/share annually). The yield gap is 1.22 percentage points.

Home › Compare › RTL vs RYLD

RTL vs RYLD: Dividend Comparison 2026

RTL yields 11.17% · RYLD yields 12.39%● Live data

vsPost on X →

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

🏆 RTL wins by $65.5K in total portfolio value

INVESTMENT

TIME HORIZON10 years

RTL

● Live price

11.17%

Share price

$7.61

Annual div

$0.85

5Y div CAGR

17.1%

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$110.8K

Annual income

$23,910.05

Full RTL calculator →

RYLD

● Live price

12.39%

Share price

$14.64

Annual div

$1.81

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$45.3K

Annual income

$2,682.98

Full RYLD calculator →

Portfolio growth — RTL vs RYLD

📍 RTL 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	RTL	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%.

📅

Dividend Calendar Overlap

Combined, RTL + RYLD cover 0 of 12 months — good coverage

Jan

—

Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

RTL pays

RYLD pays

Both pay

Neither

💰

Tax Bracket Optimizer

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

RTL

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

$949.41/yr

After 10yr DRIP, annual income (after tax)

$20,323.54/yr

RYLD

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

$1,053.44/yr

After 10yr DRIP, annual income (after tax)

$2,280.53/yr

At 15% tax rate, RTL beats the other by $18,043.01/year in after-tax income after 10 years on $10,000

⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of RTL + RYLD for your $10,000?

RTL: 50%RYLD: 50%

100% RYLD50/50100% RTL

Portfolio after 10yr

$78.0K

Annual income

$13,296.51/yr

Blended yield

17.04%

📊

Analyst Conviction Gap

Where Wall Street is most bullish on RTL right now

RTL

Analyst Ratings

Buy

Consensus: Buy

Altman Z

-0.3

Piotroski

5/9

RYLD

No analyst data

Analyst ratings via FMP. Altman Z-Score: >3.0 safe, 1.81–3.0 grey zone, <1.81 distress. Piotroski: 7–9 strong, 0–3 weak.

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

RTL buys

RYLD buys

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

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

MetricRTLRYLD

Forward yield	11.17%	12.39% ✓
Annual dividend / share	$0.85	$1.81 ✓
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	17.1% ✓	0%
Portfolio after 10y	$110.8K ✓	$45.3K
Annual income after 10y	$23,910.05 ✓	$2,682.98
Total dividends collected	$77.8K ✓	$19.4K
Payment frequency	quarterly	quarterly
Sector	Stock	ETF

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

Year	RTL Portfolio	RTL Income/yr	RYLD Portfolio	RYLD Income/yr	Gap
1← crossover	$12,008	$1,307.95	$11,939	$1,239.34	+$69.00 → RTL
2	$14,567	$1,718.83	$14,158	$1,382.89	+$409.00 → RTL
3	$17,869	$2,282.01	$16,682	$1,532.59	+$1.2K → RTL
4	$22,183	$3,063.46	$19,537	$1,687.64	+$2.6K → RTL
5	$27,898	$4,162.08	$22,752	$1,847.20	+$5.1K → RTL
6	$35,580	$5,728.41	$26,355	$2,010.43	+$9.2K → RTL
7	$46,065	$7,995.22	$30,376	$2,176.45	+$15.7K → RTL
8	$60,619	$11,328.63	$34,847	$2,344.43	+$25.8K → RTL
9	$81,177	$16,314.80	$39,800	$2,513.54	+$41.4K → RTL
10	$110,769	$23,910.05	$45,269	$2,682.98	+$65.5K → RTL

RTL vs RYLD: Complete Analysis 2026

RTL — Stock

The Necessity Retail REIT (Nasdaq: RTL) is a publicly traded real estate investment trust listed on Nasdaq focused on acquiring and managing a diversified portfolio of primarily service-oriented and traditional retail and distribution related commercial real estate properties in the U.S. Additional information about RTL can be found on its website at www.necessityretailreit.com.

Full RTL 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 →

📬

Get this RTL vs RYLD comparison by email

Save your analysis + weekly dividend insights. Free forever.

More comparisons

RTL vs SCHD RTL vs JEPI RTL vs O RTL vs KO RTL vs MAIN

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