Home › Compare › SHY vs XYLD

SHY vs XYLD: Dividend Comparison 2026

SHY yields 3.75% · XYLD yields 10.98%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 SHY wins by $234.00 in total portfolio value
10 years
SHY
SHY
● Live price
3.75%
Share price
$82.57
Annual div
$3.10
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$25.5K
Annual income
$477.62
Full SHY 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
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$25.3K
Annual income
$3,219.02
Full XYLD calculator →

Portfolio growth — SHY vs XYLD

📍 SHY 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 PeriodSHYXYLD
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, SHY + XYLD cover 0 of 12 months — good coverage

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

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
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 $2,330.19/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

SHY: 50%XYLD: 50%
100% XYLD50/50100% SHY
Portfolio after 10yr
$25.4K
Annual income
$1,848.32/yr
Blended yield
7.28%
🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

SHY buys
0
XYLD buys
0
No recent congressional trades found for SHY or XYLD in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricSHYXYLD
Forward yield3.75%10.98% ✓
Annual dividend / share$3.10$4.30 ✓
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR0%0%
Portfolio after 10y$25.5K ✓$25.3K
Annual income after 10y$477.62$3,219.02 ✓
Total dividends collected$4.3K$19.6K ✓
Payment frequencyquarterlymonthly
SectorETFETF

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

YearSHY PortfolioSHY Income/yrXYLD PortfolioXYLD Income/yrGap
1← crossover$11,075$375.28$10,818$1,098.39+$257.00 → SHY
2$12,239$388.44$11,738$1,222.51+$501.00 → SHY
3$13,497$401.17$12,774$1,364.64+$723.00 → SHY
4$14,855$413.46$13,944$1,527.86+$911.00 → SHY
5$16,320$425.30$15,270$1,715.87+$1.1K → SHY
6$17,899$436.68$16,775$1,933.09+$1.1K → SHY
7$19,600$447.60$18,490$2,184.87+$1.1K → SHY
8$21,430$458.06$20,450$2,477.63+$980.00 → SHY
9$23,398$468.07$22,697$2,819.19+$701.00 → SHY
10$25,514$477.62$25,280$3,219.02+$234.00 → SHY

SHY vs XYLD: 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 →

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 SHY vs XYLD comparison by email

Save your analysis + weekly dividend insights. Free forever.

More comparisons

SHY vs SCHDSHY vs JEPISHY vs OSHY vs KOSHY vs MAINSHY vs QYLDSHY vs JEPQSHY 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.