Home › Compare › SHV vs RYLD

SHV vs RYLD: Dividend Comparison 2026

SHV yields 3.98% · RYLD yields 4.00%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 RYLD wins by $2.1K in total portfolio value
10 years
SHV
SHV
● Live price
3.98%
Share price
$110.38
Annual div
$4.39
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$25.9K
Annual income
$513.26
Full SHV calculator →
RYLD
RYLD
● Live price
4.00%
Share price
$50.00
Annual div
$2.00
5Y div CAGR
5%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$28.0K
Annual income
$899.19
Full RYLD calculator →

Portfolio growth — SHV vs RYLD

📍 RYLD 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 PeriodSHVRYLD
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, SHV + RYLD cover 0 of 12 months — good coverage

Jan
—
Feb
—
Mar
—
Apr
—
May
—
Jun
—
Jul
—
Aug
—
Sep
—
Oct
—
Nov
—
Dec
—
SHV pays
RYLD pays
Both pay
Neither
💰

Tax Bracket Optimizer

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

SHV
Annual income on $10K today (after 15% tax)
$337.98/yr
After 10yr DRIP, annual income (after tax)
$436.27/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, RYLD beats the other by $328.04/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

SHV: 50%RYLD: 50%
100% RYLD50/50100% SHV
Portfolio after 10yr
$27.0K
Annual income
$706.23/yr
Blended yield
2.62%
🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

SHV buys
0
RYLD buys
0
No recent congressional trades found for SHV or RYLD in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricSHVRYLD
Forward yield3.98%4.00% ✓
Annual dividend / share$4.39 ✓$2.00
Payout ratio50%50%
1-year div growth0%5% ✓
5-year div CAGR0%5% ✓
Portfolio after 10y$25.9K$28.0K ✓
Annual income after 10y$513.26$899.19 ✓
Total dividends collected$4.6K$6.4K ✓
Payment frequencyquarterlyquarterly
SectorStockETF

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

YearSHV PortfolioSHV Income/yrRYLD PortfolioRYLD Income/yrGap
1← crossover$11,098$397.62$11,120$420.00$22.00 → RYLD
2$12,287$412.39$12,357$458.31$70.00 → RYLD
3$13,574$426.72$13,721$499.76$147.00 → RYLD
4$14,964$440.57$15,227$544.58$263.00 → RYLD
5$16,466$453.93$16,885$593.02$419.00 → RYLD
6$18,085$466.80$18,713$645.34$628.00 → RYLD
7$19,830$479.17$20,724$701.81$894.00 → RYLD
8$21,709$491.03$22,938$762.73$1.2K → RYLD
9$23,732$502.39$25,372$828.41$1.6K → RYLD
10$25,906$513.26$28,047$899.19$2.1K → RYLD

SHV vs RYLD: Complete Analysis 2026

SHV — Stock

The iShares 0–1 Year Treasury Bond ETF seeks to track the investment results of an index composed of U.S. Treasury bonds with remaining maturities one year or less.

Full SHV 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 SHV vs RYLD comparison by email

Save your analysis + weekly dividend insights. Free forever.

More comparisons

SHV vs SCHDSHV vs JEPISHV vs OSHV vs KOSHV 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.