Is SFIGA or RYLD a better dividend investment in 2026?

SFIGA currently yields 2.44% with a 5% 5-year dividend growth rate. RYLD yields 4.00% with 5% growth. The better choice depends on your goal: RYLD offers higher current income.

What is the dividend yield difference between SFIGA and RYLD?

SFIGA has a forward dividend yield of 2.44% ($1.49/share annually). RYLD yields 4.00% ($2.00/share annually). The yield gap is 1.56 percentage points.

Home › Compare › SFIGA vs RYLD

SFIGA vs RYLD: Dividend Comparison 2026

SFIGA yields 2.44% · RYLD yields 4.00%● Live data

vsPost on X →

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

🏆 SFIGA wins by $7.6K in total portfolio value· pulled ahead in Year 5

INVESTMENT

TIME HORIZON10 years

SFIGA

● Live price

2.44%

Share price

$61.00

Annual div

$1.49

5Y div CAGR

24.5%

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$35.7K

Annual income

$3,567.27

Full SFIGA calculator →

RYLD

● Live price

4.00%

Share price

$50.00

Annual div

$2.00

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$28.0K

Annual income

$899.19

Full RYLD calculator →

Portfolio growth — SFIGA vs RYLD

📍 SFIGA pulled ahead of the other in Year 5

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	SFIGA	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, SFIGA + RYLD cover 0 of 12 months — good coverage

Jan

—

Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

SFIGA pays

RYLD pays

Both pay

Neither

💰

Tax Bracket Optimizer

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

SFIGA

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

$207.62/yr

After 10yr DRIP, annual income (after tax)

$3,032.18/yr

RYLD

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

$340.00/yr

After 10yr DRIP, annual income (after tax)

$764.31/yr

At 15% tax rate, SFIGA beats the other by $2,267.87/year in after-tax income after 10 years on $10,000

⚖️

Lazy Portfolio Split Optimizer

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

SFIGA: 50%RYLD: 50%

100% RYLD50/50100% SFIGA

Portfolio after 10yr

$31.9K

Annual income

$2,233.23/yr

Blended yield

7.01%

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

SFIGA buys

RYLD buys

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

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

MetricSFIGARYLD

Forward yield	2.44%	4.00% ✓
Annual dividend / share	$1.49	$2.00 ✓
Payout ratio	50%	50%
1-year div growth	0%	5% ✓
5-year div CAGR	24.5% ✓	5%
Portfolio after 10y	$35.7K ✓	$28.0K
Annual income after 10y	$3,567.27 ✓	$899.19
Total dividends collected	$13.4K ✓	$6.4K
Payment frequency	quarterly	quarterly
Sector	Stock	ETF

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

Year	SFIGA Portfolio	SFIGA Income/yr	RYLD Portfolio	RYLD Income/yr	Gap
1	$11,004	$304.11	$11,120	$420.00	$116.00 → RYLD
2	$12,164	$389.37	$12,357	$458.31	$193.00 → RYLD
3	$13,516	$500.80	$13,721	$499.76	$205.00 → RYLD
4	$15,110	$647.49	$15,227	$544.58	$117.00 → RYLD
5← crossover	$17,010	$842.21	$16,885	$593.02	+$125.00 → SFIGA
6	$19,303	$1,103.18	$18,713	$645.34	+$590.00 → SFIGA
7	$22,111	$1,456.71	$20,724	$701.81	+$1.4K → SFIGA
8	$25,601	$1,941.51	$22,938	$762.73	+$2.7K → SFIGA
9	$30,008	$2,615.54	$25,372	$828.41	+$4.6K → SFIGA
10	$35,676	$3,567.27	$28,047	$899.19	+$7.6K → SFIGA

SFIGA vs RYLD: Complete Analysis 2026

SFIGA — Stock

STAR Financial Group, Inc. operates as the bank holding company for STAR Financial Bank that provides various banking and financial services to individual and corporate customers in Central and Northeast Indiana. The company accepts checking and savings accounts, and health savings accounts; certificates of deposit; and individual retirement accounts. Its loan products include mortgage, home equity, auto, boat, recreational vehicle, and personal loans; commercial loans, including commercial real estate loans, agribusiness loans, and special loans and funding, as well as working capital and small bond financing products; small business loans; and equipment finance and leasing services. The company also offers credit cards; insurance products; annuities; and treasury management services, such as ACH origination, account reconciliation origination, lockbox, merchant card processing, payroll, positive pay, remote deposit capture, sweep accounts, and wire transfer services. In addition, it provides private advisory services comprising investments, wealth management, and private banking; and trust and investment advisory services, as well as online and mobile banking, bill payment, and money management services. STAR Financial Group, Inc. was founded in 1943 and is headquartered in Fort Wayne, Indiana.

Full SFIGA Calculator →

RYLD — ETF

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

Full RYLD Calculator →

📬

Get this SFIGA vs RYLD comparison by email

Save your analysis + weekly dividend insights. Free forever.

More comparisons

SFIGA vs SCHD SFIGA vs JEPI SFIGA vs O SFIGA vs KO SFIGA 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.