Is SHTRF or XYLD a better dividend investment in 2026?

SHTRF currently yields 6.14% 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 SHTRF and XYLD?

SHTRF has a forward dividend yield of 6.14% ($0.02/share annually). XYLD yields 10.98% ($4.30/share annually). The yield gap is 4.84 percentage points.

Home › Compare › SHTRF vs XYLD

SHTRF vs XYLD: Dividend Comparison 2026

SHTRF yields 6.14% · XYLD yields 10.98%● Live data

vsPost on X →

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

🏆 XYLD wins by $3.2K in total portfolio value· pulled ahead in Year 6

INVESTMENT

TIME HORIZON10 years

SHTRF

● Live price

6.14%

Share price

$0.38

Annual div

$0.02

5Y div CAGR

-29.1%

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$22.1K

Annual income

$22.14

Full SHTRF 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 — SHTRF vs XYLD

📍 XYLD pulled ahead of the other in Year 6

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	SHTRF	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, SHTRF + XYLD cover 0 of 12 months — good coverage

Jan

—

Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

SHTRF pays

XYLD pays

Both pay

Neither

💰

Tax Bracket Optimizer

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

SHTRF

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

$521.95/yr

After 10yr DRIP, annual income (after tax)

$18.82/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, XYLD beats the other by $2,717.35/year in after-tax income after 10 years on $10,000

⚖️

Lazy Portfolio Split Optimizer

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

SHTRF: 50%XYLD: 50%

100% XYLD50/50100% SHTRF

Portfolio after 10yr

$23.7K

Annual income

$1,620.58/yr

Blended yield

6.84%

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

SHTRF buys

XYLD buys

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

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

MetricSHTRFXYLD

Forward yield	6.14%	10.98% ✓
Annual dividend / share	$0.02	$4.30 ✓
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	-29.1%	0% ✓
Portfolio after 10y	$22.1K	$25.3K ✓
Annual income after 10y	$22.14	$3,219.02 ✓
Total dividends collected	$1.5K	$19.6K ✓
Payment frequency	quarterly	monthly
Sector	Stock	ETF

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

Year	SHTRF Portfolio	SHTRF Income/yr	XYLD Portfolio	XYLD Income/yr	Gap
1	$11,135	$435.37	$10,818	$1,098.39	+$317.00 → SHTRF
2	$12,236	$321.24	$11,738	$1,222.51	+$498.00 → SHTRF
3	$13,327	$233.90	$12,774	$1,364.64	+$553.00 → SHTRF
4	$14,428	$168.80	$13,944	$1,527.86	+$484.00 → SHTRF
5	$15,559	$121.09	$15,270	$1,715.87	+$289.00 → SHTRF
6← crossover	$16,735	$86.53	$16,775	$1,933.09	$40.00 → XYLD
7	$17,968	$61.67	$18,490	$2,184.87	$522.00 → XYLD
8	$19,270	$43.87	$20,450	$2,477.63	$1.2K → XYLD
9	$20,650	$31.18	$22,697	$2,819.19	$2.0K → XYLD
10	$22,117	$22.14	$25,280	$3,219.02	$3.2K → XYLD

SHTRF vs XYLD: Complete Analysis 2026

SHTRF — Stock

Sunlight REIT (Stock code: 435) is a real estate investment trust authorized by the Securities and Futures Commission and constituted by the trust deed dated 26 May 2006 (as amended and supplemented by six supplemental deeds) (the "Trust Deed"), and has been listed on The Stock Exchange of Hong Kong Limited on 21 December 2006. Sunlight REIT offers investors the opportunity to invest in a diversified portfolio of 11 office and five retail properties in Hong Kong with a total gross rentable area of over 1.2 million sq. ft.. The office properties are primarily located in core business areas, including Wan Chai and Sheung Wan, as well as in decentralized business areas such as Mong Kok and North Point. The key retail properties are situated in regional transportation hubs and new towns including Sheung Shui, Tseung Kwan O and Yuen Long.

Full SHTRF 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 SHTRF vs XYLD comparison by email

Save your analysis + weekly dividend insights. Free forever.

More comparisons

SHTRF vs SCHD SHTRF vs JEPI SHTRF vs O SHTRF vs KO SHTRF vs MAIN SHTRF vs QYLD SHTRF vs JEPQ SHTRF 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.