Is SEPA or XYLD a better dividend investment in 2026?

SEPA currently yields 19.38% with a 5% 5-year dividend growth rate. XYLD yields 10.98% with 0.5% growth. The better choice depends on your goal: SEPA offers higher current income.

What is the dividend yield difference between SEPA and XYLD?

SEPA has a forward dividend yield of 19.38% ($2.00/share annually). XYLD yields 10.98% ($4.30/share annually). The yield gap is 8.40 percentage points.

Home › Compare › SEPA vs XYLD

SEPA vs XYLD: Dividend Comparison 2026

SEPA yields 19.38% · XYLD yields 10.98%● Live data

vsPost on X →

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

🏆 SEPA wins by $45.0K in total portfolio value

INVESTMENT

TIME HORIZON10 years

SEPA

● Live price

19.38%

Share price

$10.32

Annual div

$2.00

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$70.3K

Annual income

$6,303.85

Full SEPA 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 — SEPA vs XYLD

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

Jan

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Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

SEPA 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.

SEPA

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

$1,647.29/yr

After 10yr DRIP, annual income (after tax)

$5,358.27/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, SEPA beats the other by $2,622.11/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 SEPA + XYLD for your $10,000?

SEPA: 50%XYLD: 50%

100% XYLD50/50100% SEPA

Portfolio after 10yr

$47.8K

Annual income

$4,761.43/yr

Blended yield

9.96%

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

SEPA buys

XYLD buys

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

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

MetricSEPAXYLD

Forward yield	19.38% ✓	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	$70.3K ✓	$25.3K
Annual income after 10y	$6,303.85 ✓	$3,219.02
Total dividends collected	$39.3K ✓	$19.6K
Payment frequency	quarterly	monthly
Sector	Stock	ETF

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

Year	SEPA Portfolio	SEPA Income/yr	XYLD Portfolio	XYLD Income/yr	Gap
1← crossover	$12,638	$1,937.98	$10,818	$1,098.39	+$1.8K → SEPA
2	$15,812	$2,288.99	$11,738	$1,222.51	+$4.1K → SEPA
3	$19,595	$2,676.45	$12,774	$1,364.64	+$6.8K → SEPA
4	$24,066	$3,099.86	$13,944	$1,527.86	+$10.1K → SEPA
5	$29,309	$3,558.17	$15,270	$1,715.87	+$14.0K → SEPA
6	$35,411	$4,049.82	$16,775	$1,933.09	+$18.6K → SEPA
7	$42,462	$4,572.80	$18,490	$2,184.87	+$24.0K → SEPA
8	$50,559	$5,124.68	$20,450	$2,477.63	+$30.1K → SEPA
9	$59,801	$5,702.70	$22,697	$2,819.19	+$37.1K → SEPA
10	$70,291	$6,303.85	$25,280	$3,219.02	+$45.0K → SEPA

SEPA vs XYLD: Complete Analysis 2026

SEPA — Stock

SEP Acquisition Corp. does not have significant operations. It intends to effect a merger, share exchange, asset acquisition, stock purchase, reorganization, or related business combination with one or more businesses. The company was formerly known as Mercury Ecommerce Acquisition Corp. and changed its name to SEP Acquisition Corp. in December 2022. The company was incorporated in 2021 and is based in Houston, Texas. SEP Acquisition Corp. is a subsidiary of Mercury Sponsor Group I LLC.

Full SEPA 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.