Is SHMDF or XYLD a better dividend investment in 2026?

SHMDF currently yields 2.23% with a 5% 5-year dividend growth rate. XYLD yields 10.98% with 0.5% growth. The better choice depends on your goal: XYLD offers higher current income.

What is the dividend yield difference between SHMDF and XYLD?

SHMDF has a forward dividend yield of 2.23% ($2.32/share annually). XYLD yields 10.98% ($4.30/share annually). The yield gap is 8.75 percentage points.

Home › Compare › SHMDF vs XYLD

SHMDF vs XYLD: Dividend Comparison 2026

SHMDF yields 2.23% · XYLD yields 10.98%● Live data

vsPost on X →

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

🏆 SHMDF wins by $103.39M in total portfolio value

INVESTMENT

TIME HORIZON10 years

SHMDF

● Live price

2.23%

Share price

$104.04

Annual div

$2.32

5Y div CAGR

100%

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$103.42M

Annual income

$95,213,525.05

Full SHMDF 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 — SHMDF vs XYLD

📍 SHMDF pulled ahead of the other in Year 1

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	SHMDF	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%.

📅

Dividend Calendar Overlap

Combined, SHMDF + XYLD cover 0 of 12 months — good coverage

Jan

—

Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

SHMDF pays

XYLD pays

Both pay

Neither

💰

Tax Bracket Optimizer

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

SHMDF

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

$189.54/yr

After 10yr DRIP, annual income (after tax)

$80,931,496.29/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, SHMDF beats the other by $80,928,760.13/year in after-tax income after 10 years on $10,000

⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of SHMDF + XYLD for your $10,000?

SHMDF: 50%XYLD: 50%

100% XYLD50/50100% SHMDF

Portfolio after 10yr

$51.72M

Annual income

$47,608,372.04/yr

Blended yield

92.05%

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

SHMDF buys

XYLD buys

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

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

MetricSHMDFXYLD

Forward yield	2.23%	10.98% ✓
Annual dividend / share	$2.32	$4.30 ✓
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	100% ✓	0%
Portfolio after 10y	$103.42M ✓	$25.3K
Annual income after 10y	$95,213,525.05 ✓	$3,219.02
Total dividends collected	$102.77M ✓	$19.6K
Payment frequency	quarterly	monthly
Sector	Stock	ETF

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

Year	SHMDF Portfolio	SHMDF Income/yr	XYLD Portfolio	XYLD Income/yr	Gap
1← crossover	$11,146	$445.98	$10,818	$1,098.39	+$328.00 → SHMDF
2	$12,855	$929.14	$11,738	$1,222.51	+$1.1K → SHMDF
3	$15,758	$2,003.06	$12,774	$1,364.64	+$3.0K → SHMDF
4	$21,451	$4,589.50	$13,944	$1,527.86	+$7.5K → SHMDF
5	$34,630	$11,677.42	$15,270	$1,715.87	+$19.4K → SHMDF
6	$72,291	$35,237.02	$16,775	$1,933.09	+$55.5K → SHMDF
7	$214,844	$137,492.44	$18,490	$2,184.87	+$196.4K → SHMDF
8	$993,655	$763,772.28	$20,450	$2,477.63	+$973.2K → SHMDF
9	$7,665,933	$6,602,722.51	$22,697	$2,819.19	+$7.64M → SHMDF
10	$103,416,074	$95,213,525.05	$25,280	$3,219.02	+$103.39M → SHMDF

SHMDF vs XYLD: Complete Analysis 2026

SHMDF — Stock

Shimano Inc. develops, produces, and distributes bicycle components, fishing tackles, and rowing equipment. The company also plans and develops lifestyle gear products, such as apparel items, shoes, bags, and related items. It has operations in Japan, Asia, Europe, North America, Latin America, and Oceania. The company was founded in 1921 and is headquartered in Sakai, Japan.

Full SHMDF 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 →

📬

Get this SHMDF vs XYLD comparison by email

Save your analysis + weekly dividend insights. Free forever.

More comparisons

SHMDF vs SCHD SHMDF vs JEPI SHMDF vs O SHMDF vs KO SHMDF vs MAIN SHMDF vs QYLD SHMDF vs JEPQ SHMDF vs RYLD

⚠️ Educational purposes only. Not financial advice. Congressional trades sourced from SEC STOCK Act filings via FMP. Past performance does not guarantee future results.