Is SGPLF or RYLD a better dividend investment in 2026?

SGPLF currently yields 100.00% with a 5% 5-year dividend growth rate. RYLD yields 12.14% with 5% growth. The better choice depends on your goal: SGPLF offers higher current income.

What is the dividend yield difference between SGPLF and RYLD?

SGPLF has a forward dividend yield of 100.00% ($2.00/share annually). RYLD yields 12.14% ($1.81/share annually). The yield gap is 87.86 percentage points.

Home › Compare › SGPLF vs RYLD

SGPLF vs RYLD: Dividend Comparison 2026

SGPLF yields 100.00% · RYLD yields 12.14%● Live data

vsPost on X →

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

🏆 RYLD wins by $2.2K in total portfolio value· pulled ahead in Year 10

INVESTMENT

TIME HORIZON10 years

SGPLF

● Live price

100.00%

Share price

$2.00

Annual div

$2.00

5Y div CAGR

-50%

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$42.3K

Annual income

$20.99

Full SGPLF 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 — SGPLF vs RYLD

📍 RYLD pulled ahead of the other in Year 10

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	SGPLF	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, SGPLF + 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

—

Oct

—

Nov

—

Dec

—

SGPLF 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.

SGPLF

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

$8,500.00/yr

After 10yr DRIP, annual income (after tax)

$17.84/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, RYLD beats the other by $2,181.41/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 SGPLF + RYLD for your $10,000?

SGPLF: 50%RYLD: 50%

100% RYLD50/50100% SGPLF

Portfolio after 10yr

$43.4K

Annual income

$1,304.17/yr

Blended yield

3.00%

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

SGPLF buys

RYLD buys

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

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

MetricSGPLFRYLD

Forward yield	100.00% ✓	12.14%
Annual dividend / share	$2.00 ✓	$1.81
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	-50%	0% ✓
Portfolio after 10y	$42.3K	$44.5K ✓
Annual income after 10y	$20.99	$2,587.35 ✓
Total dividends collected	$13.4K	$18.8K ✓
Payment frequency	quarterly	quarterly
Sector	Stock	ETF

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

Year	SGPLF Portfolio	SGPLF Income/yr	RYLD Portfolio	RYLD Income/yr	Gap
1	$15,700	$5,000.00	$11,914	$1,213.65	+$3.8K → SGPLF
2	$20,467	$3,668.22	$14,099	$1,351.30	+$6.4K → SGPLF
3	$24,135	$2,234.61	$16,580	$1,494.55	+$7.6K → SGPLF
4	$27,055	$1,231.31	$19,384	$1,642.61	+$7.7K → SGPLF
5	$29,594	$645.01	$22,535	$1,794.70	+$7.1K → SGPLF
6	$31,995	$329.69	$26,063	$1,950.00	+$5.9K → SGPLF
7	$34,402	$166.56	$29,995	$2,107.69	+$4.4K → SGPLF
8	$36,893	$83.69	$34,361	$2,266.99	+$2.5K → SGPLF
9	$39,518	$41.94	$39,194	$2,427.12	+$324.00 → SGPLF
10← crossover	$42,305	$20.99	$44,525	$2,587.35	$2.2K → RYLD

SGPLF vs RYLD: Complete Analysis 2026

SGPLF — Stock

Saga plc provides general insurance, package and cruise holidays, and personal finance products and services in the United Kingdom. The company operates in three segments: Insurance, Travel, and Other Businesses and Central Costs. It offers car, home, health, travel, landlord, boat, motorhome, caravan, pet, personal accident, breakdown cover, building, content, renter, holiday, and holiday home insurance. The company also operates and delivers package tours and cruise holiday products; and provides equity release and care funding advice, savings accounts, credit cards, and wealth management services, as well as shares ISA and share dealing services. In addition, it offers mailing house services; retirement benefit schemes; and publishes Saga Magazine, as well as repairs automotive vehicles. The company was formerly known as Saga Limited and changed its name to Saga plc in May 2014. The company was founded in 1950 and is headquartered in Folkestone, the United Kingdom.

Full SGPLF 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.