Is SHY or QYLD a better dividend investment in 2026?

SHY currently yields 3.75% with a 5% 5-year dividend growth rate. QYLD yields 11.92% with -2.1% growth. The better choice depends on your goal: QYLD offers higher current income.

What is the dividend yield difference between SHY and QYLD?

SHY has a forward dividend yield of 3.75% ($3.10/share annually). QYLD yields 11.92% ($2.04/share annually). The yield gap is 8.17 percentage points.

Home › Compare › SHY vs QYLD

SHY vs QYLD: Dividend Comparison 2026

SHY yields 3.75% · QYLD yields 11.92%● Live data

vsPost on X →

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

🏆 SHY wins by $116.00 in total portfolio value

INVESTMENT

TIME HORIZON10 years

SHY

● Live price

3.75%

Share price

$82.57

Annual div

$3.10

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$25.5K

Annual income

$477.62

Full SHY calculator →

QYLD

Global X Nasdaq 100 Covered Call ETF

● Live price

11.92%

Share price

$17.15

Annual div

$2.04

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$25.4K

Annual income

$5,659.31

Full QYLD calculator →

Portfolio growth — SHY vs QYLD

📍 SHY 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	SHY	QYLD
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, SHY + QYLD 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

—

SHY pays

QYLD pays

Both pay

Neither

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Tax Bracket Optimizer

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

SHY

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

$318.99/yr

After 10yr DRIP, annual income (after tax)

$405.98/yr

QYLD

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

$1,013.51/yr

After 10yr DRIP, annual income (after tax)

$4,810.41/yr

At 15% tax rate, QYLD beats the other by $4,404.44/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 SHY + QYLD for your $10,000?

SHY: 50%QYLD: 50%

100% QYLD50/50100% SHY

Portfolio after 10yr

$25.5K

Annual income

$3,068.47/yr

Blended yield

12.05%

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Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

SHY buys

QYLD buys

Politician	Chamber	Ticker	Type	Amount	Date
Tim Moore	🏢 House	$QYLD	▼ Sell	$15,001 - $50,000	2025-05-02
Tim Moore	🏢 House	$QYLD	▲ Buy	$15,001 - $50,000	2025-04-07
Dwight Evans	🏢 House	$QYLD	▼ Sell	$1,001 - $15,000	2022-11-14
Dwight Evans	🏢 House	$QYLD	▼ Sell	$1,001 - $15,000	2020-10-29

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

MetricSHYQYLD

Forward yield	3.75%	11.92% ✓
Annual dividend / share	$3.10 ✓	$2.04
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	0%	0%
Portfolio after 10y	$25.5K ✓	$25.4K
Annual income after 10y	$477.62	$5,659.31 ✓
Total dividends collected	$4.3K	$27.1K ✓
Payment frequency	quarterly	monthly
Sector	ETF	ETF

Year-by-year: SHY vs QYLD ($10,000, DRIP)

Year	SHY Portfolio	SHY Income/yr	QYLD Portfolio	QYLD Income/yr	Gap
1← crossover	$11,075	$375.28	$10,352	$1,192.36	+$723.00 → SHY
2	$12,239	$388.44	$10,830	$1,347.57	+$1.4K → SHY
3	$13,497	$401.17	$11,460	$1,539.07	+$2.0K → SHY
4	$14,855	$413.46	$12,275	$1,777.84	+$2.6K → SHY
5	$16,320	$425.30	$13,323	$2,078.95	+$3.0K → SHY
6	$17,899	$436.68	$14,667	$2,463.34	+$3.2K → SHY
7	$19,600	$447.60	$16,396	$2,960.57	+$3.2K → SHY
8	$21,430	$458.06	$18,631	$3,612.97	+$2.8K → SHY
9	$23,398	$468.07	$21,548	$4,482.15	+$1.9K → SHY
10	$25,514	$477.62	$25,398	$5,659.31	+$116.00 → SHY

SHY vs QYLD: Complete Analysis 2026

SHY — ETF

The iShares 1-3 Year Treasury Bond ETF seeks to track the investment results of an index composed of U.S. Treasury bonds with remaining maturities between one and three years.

Full SHY Calculator →

QYLD — ETF

The Global X Nasdaq 100 Covered Call ETF (QYLD) seeks to provide investment results that correspond generally to the price and yield performance, before fees and expenses, of the Cboe Nasdaq-100 BuyWrite V2 Index.

Full QYLD 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.