Is RYCCX or XYLD a better dividend investment in 2026?

RYCCX currently yields 13.09% with a 5% 5-year dividend growth rate. XYLD yields 11.20% with 0.5% growth. The better choice depends on your goal: RYCCX offers higher current income.

What is the dividend yield difference between RYCCX and XYLD?

RYCCX has a forward dividend yield of 13.09% ($47.61/share annually). XYLD yields 11.20% ($4.30/share annually). The yield gap is 1.89 percentage points.

Home › Compare › RYCCX vs XYLD

RYCCX vs XYLD: Dividend Comparison 2026

RYCCX yields 13.09% · XYLD yields 11.20%● Live data

vsPost on X →

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

🏆 RYCCX wins by $21.5K in total portfolio value

INVESTMENT

TIME HORIZON10 years

RYCCX

● Live price

13.09%

Share price

$363.68

Annual div

$47.61

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$47.3K

Annual income

$2,954.35

Full RYCCX 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 — RYCCX vs XYLD

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

Jan

—

Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

RYCCX pays

XYLD pays

Both pay

Neither

💰

Tax Bracket Optimizer

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

RYCCX

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

$1,112.79/yr

After 10yr DRIP, annual income (after tax)

$2,511.20/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 $337.18/year in after-tax income after 10 years on $10,000

⚖️

Lazy Portfolio Split Optimizer

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

RYCCX: 50%XYLD: 50%

100% XYLD50/50100% RYCCX

Portfolio after 10yr

$36.6K

Annual income

$3,152.69/yr

Blended yield

8.61%

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

RYCCX buys

XYLD buys

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

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

MetricRYCCXXYLD

Forward yield	13.09% ✓	11.20%
Annual dividend / share	$47.61 ✓	$4.30
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	0%	0%
Portfolio after 10y	$47.3K ✓	$25.9K
Annual income after 10y	$2,954.35	$3,351.03 ✓
Total dividends collected	$21.0K ✓	$20.2K
Payment frequency	quarterly	monthly
Sector	Stock	ETF

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

Year	RYCCX Portfolio	RYCCX Income/yr	XYLD Portfolio	XYLD Income/yr	Gap
1← crossover	$12,009	$1,309.16	$10,840	$1,120.44	+$1.2K → RYCCX
2	$14,319	$1,469.34	$11,786	$1,249.59	+$2.5K → RYCCX
3	$16,959	$1,637.35	$12,854	$1,397.78	+$4.1K → RYCCX
4	$19,958	$1,812.33	$14,063	$1,568.33	+$5.9K → RYCCX
5	$23,349	$1,993.34	$15,434	$1,765.19	+$7.9K → RYCCX
6	$27,162	$2,179.40	$16,995	$1,993.14	+$10.2K → RYCCX
7	$31,433	$2,369.51	$18,777	$2,257.95	+$12.7K → RYCCX
8	$36,196	$2,562.70	$20,818	$2,566.58	+$15.4K → RYCCX
9	$41,488	$2,757.96	$23,163	$2,927.50	+$18.3K → RYCCX
10	$47,347	$2,954.35	$25,865	$3,351.03	+$21.5K → RYCCX

RYCCX vs XYLD: Complete Analysis 2026

RYCCX — Stock

The fund employs as its investment strategy a program of investing in the common stock of companies that are generally within the capitalization range of the underlying index and derivative instruments. It will invest at least 80% of its net assets, plus any borrowings for investment purposes, in financial instruments with economic characteristics that should perform similarly to the securities of companies in the underlying index. The fund is non-diversified.

Full RYCCX 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 RYCCX vs XYLD comparison by email

Save your analysis + weekly dividend insights. Free forever.

More comparisons

RYCCX vs SCHD RYCCX vs JEPI RYCCX vs O RYCCX vs KO RYCCX vs MAIN RYCCX vs QYLD RYCCX vs JEPQ RYCCX 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.