Is SFTW or RYLD a better dividend investment in 2026?

SFTW currently yields 17.53% with a 5% 5-year dividend growth rate. RYLD yields 12.14% with 5% growth. The better choice depends on your goal: SFTW offers higher current income.

What is the dividend yield difference between SFTW and RYLD?

SFTW has a forward dividend yield of 17.53% ($2.00/share annually). RYLD yields 12.14% ($1.81/share annually). The yield gap is 5.39 percentage points.

Home › Compare › SFTW vs RYLD

SFTW vs RYLD: Dividend Comparison 2026

SFTW yields 17.53% · RYLD yields 12.14%● Live data

vsPost on X →

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

🏆 SFTW wins by $18.1K in total portfolio value

INVESTMENT

TIME HORIZON10 years

SFTW

● Live price

17.53%

Share price

$11.41

Annual div

$2.00

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$62.7K

Annual income

$5,127.82

Full SFTW calculator →

RYLD

● Live price

12.14%

Share price

$14.95

Annual div

$1.81

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$44.5K

Annual income

$2,587.35

Full RYLD calculator →

Portfolio growth — SFTW vs RYLD

📍 SFTW 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	SFTW	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%.

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Dividend Calendar Overlap

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

Jan

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Feb

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Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

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Oct

—

Nov

—

Dec

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SFTW pays

RYLD pays

Both pay

Neither

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Tax Bracket Optimizer

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

SFTW

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

$1,489.92/yr

After 10yr DRIP, annual income (after tax)

$4,358.65/yr

RYLD

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

$1,031.60/yr

After 10yr DRIP, annual income (after tax)

$2,199.25/yr

At 15% tax rate, SFTW beats the other by $2,159.40/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 SFTW + RYLD for your $10,000?

SFTW: 50%RYLD: 50%

100% RYLD50/50100% SFTW

Portfolio after 10yr

$53.6K

Annual income

$3,857.58/yr

Blended yield

7.20%

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

SFTW buys

RYLD buys

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

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

MetricSFTWRYLD

Forward yield	17.53% ✓	12.14%
Annual dividend / share	$2.00 ✓	$1.81
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	0%	0%
Portfolio after 10y	$62.7K ✓	$44.5K
Annual income after 10y	$5,127.82 ✓	$2,587.35
Total dividends collected	$33.2K ✓	$18.8K
Payment frequency	quarterly	quarterly
Sector	Stock	ETF

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

Year	SFTW Portfolio	SFTW Income/yr	RYLD Portfolio	RYLD Income/yr	Gap
1← crossover	$12,453	$1,752.85	$11,914	$1,213.65	+$539.00 → SFTW
2	$15,365	$2,040.00	$14,099	$1,351.30	+$1.3K → SFTW
3	$18,792	$2,352.32	$16,580	$1,494.55	+$2.2K → SFTW
4	$22,797	$2,688.90	$19,384	$1,642.61	+$3.4K → SFTW
5	$27,441	$3,048.47	$22,535	$1,794.70	+$4.9K → SFTW
6	$32,791	$3,429.46	$26,063	$1,950.00	+$6.7K → SFTW
7	$38,917	$3,830.02	$29,995	$2,107.69	+$8.9K → SFTW
8	$45,889	$4,248.10	$34,361	$2,266.99	+$11.5K → SFTW
9	$53,783	$4,681.47	$39,194	$2,427.12	+$14.6K → SFTW
10	$62,675	$5,127.82	$44,525	$2,587.35	+$18.1K → SFTW

SFTW vs RYLD: Complete Analysis 2026

SFTW — Stock

Osprey Technology Acquisition Corp. intends to effect a merger, capital stock exchange, asset acquisition, stock purchase, reorganization or similar business combination with one or more businesses. It focuses on opportunities in the technology sector, primarily in Software-as-a-Service model. The company was founded in 2018 and is based in Philadelphia, Pennsylvania.

Full SFTW 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 →

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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.