Is SEP or QYLD a better dividend investment in 2026?

SEP currently yields 5.65% with a 5% 5-year dividend growth rate. QYLD yields 11.92% with -2.1% growth. The better choice depends on your goal: QYLD offers higher current income.

What is the dividend yield difference between SEP and QYLD?

SEP has a forward dividend yield of 5.65% ($2.00/share annually). QYLD yields 11.92% ($2.04/share annually). The yield gap is 6.27 percentage points.

Home › Compare › SEP vs QYLD

SEP vs QYLD: Dividend Comparison 2026

SEP yields 5.65% · QYLD yields 11.92%● Live data

vsPost on X →

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

🏆 SEP wins by $166.55M in total portfolio value

INVESTMENT

TIME HORIZON10 years

SEP

● Live price

5.65%

Share price

$35.40

Annual div

$2.00

5Y div CAGR

78.7%

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$166.58M

Annual income

$150,771,589.24

Full SEP calculator →

QYLD

Global X Nasdaq 100 Covered Call ETF

● Live price

11.92%

Share price

$17.15

Annual div

$2.04

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$25.4K

Annual income

$5,659.31

Full QYLD calculator →

Portfolio growth — SEP vs QYLD

📍 SEP 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	SEP	QYLD
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, SEP + QYLD cover 0 of 12 months — good coverage

Jan

—

Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

SEP pays

QYLD pays

Both pay

Neither

💰

Tax Bracket Optimizer

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

SEP

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

$480.23/yr

After 10yr DRIP, annual income (after tax)

$128,155,850.85/yr

QYLD

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

$1,013.51/yr

After 10yr DRIP, annual income (after tax)

$4,810.41/yr

At 15% tax rate, SEP beats the other by $128,151,040.44/year in after-tax income after 10 years on $10,000

⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of SEP + QYLD for your $10,000?

SEP: 50%QYLD: 50%

100% QYLD50/50100% SEP

Portfolio after 10yr

$83.30M

Annual income

$75,388,624.28/yr

Blended yield

90.50%

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

SEP buys

QYLD buys

Politician	Chamber	Ticker	Type	Amount	Date
Tim Moore	🏢 House	$QYLD	▼ Sell	$15,001 - $50,000	2025-05-02
Tim Moore	🏢 House	$QYLD	▲ Buy	$15,001 - $50,000	2025-04-07
Dwight Evans	🏢 House	$QYLD	▼ Sell	$1,001 - $15,000	2022-11-14
Dwight Evans	🏢 House	$QYLD	▼ Sell	$1,001 - $15,000	2020-10-29

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

MetricSEPQYLD

Forward yield	5.65%	11.92% ✓
Annual dividend / share	$2.00	$2.04 ✓
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	78.7% ✓	0%
Portfolio after 10y	$166.58M ✓	$25.4K
Annual income after 10y	$150,771,589.24 ✓	$5,659.31
Total dividends collected	$165.34M ✓	$27.1K
Payment frequency	quarterly	monthly
Sector	Stock	ETF

Year-by-year: SEP vs QYLD ($10,000, DRIP)

Year	SEP Portfolio	SEP Income/yr	QYLD Portfolio	QYLD Income/yr	Gap
1← crossover	$11,710	$1,009.60	$10,352	$1,192.36	+$1.4K → SEP
2	$14,504	$1,974.40	$10,830	$1,347.57	+$3.7K → SEP
3	$19,603	$4,084.24	$11,460	$1,539.07	+$8.1K → SEP
4	$30,195	$9,219.34	$12,275	$1,777.84	+$17.9K → SEP
5	$56,025	$23,716.22	$13,323	$2,078.95	+$42.7K → SEP
6	$133,437	$73,490.93	$14,667	$2,463.34	+$118.8K → SEP
7	$435,108	$292,329.68	$16,396	$2,960.57	+$418.7K → SEP
8	$2,057,529	$1,591,964.07	$18,631	$3,612.97	+$2.04M → SEP
9	$14,774,108	$12,572,552.15	$21,548	$4,482.15	+$14.75M → SEP
10	$166,579,885	$150,771,589.24	$25,398	$5,659.31	+$166.55M → SEP

SEP vs QYLD: Complete Analysis 2026

SEP — Stock

SEP is a dividend-paying stock. Use this calculator to estimate your future dividend income, DRIP compounding returns, and passive income potential from investing in SEP shares.

Full SEP Calculator →

QYLD — ETF

The Global X Nasdaq 100 Covered Call ETF (QYLD) seeks to provide investment results that correspond generally to the price and yield performance, before fees and expenses, of the Cboe Nasdaq-100 BuyWrite V2 Index.

Full QYLD 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.