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SMA vs QYLD: Dividend Comparison 2026

SMA yields 4.00% · QYLD yields 11.43% · See full DRIP projection below

vsEnter any two US tickers
After 10 years · $10,000 invested · DRIP enabled
🏆 SMA wins by $8.5K in total portfolio value
10 years
SMA
SMA
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 SMA calculator →
QYLD
Global X Nasdaq 100 Covered Call ETF
11.43%
Share price
$16.80
Annual div
$1.92
5Y div CAGR
-2.1%
Payout ratio
95%
After 10 yrs · $10,000 · DRIP
Portfolio value
$19.5K
Annual income
$3,553.75
Full QYLD calculator →

Portfolio growth — SMA vs QYLD

Annual dividend income

MetricSMAQYLD
Forward yield4.00%11.43%
Annual dividend / share$2.00$1.92
Payout ratio50%95%
1-year div growth5%-5.2%
5-year div CAGR5%-2.1%
Portfolio after 10y$28.0K$19.5K
Annual income after 10y$899.19$3,553.75
Total dividends collected$6.4K$20.2K
Payment frequencyquarterlymonthly
SectorStockETF

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

YearSMA PortfolioSMA Income/yrQYLD PortfolioQYLD Income/yrGap
1$11,120$420.00$10,279$1,118.86+$841.00SMA
2$12,357$458.31$10,645$1,229.16+$1.7KSMA
3$13,721$499.76$11,111$1,360.44+$2.6KSMA
4$15,227$544.58$11,695$1,517.70+$3.5KSMA
5$16,885$593.02$12,420$1,707.39+$4.5KSMA
6$18,713$645.34$13,315$1,937.94+$5.4KSMA
7$20,724$701.81$14,417$2,220.42+$6.3KSMA
8$22,938$762.73$15,775$2,569.54+$7.2KSMA
9$25,372$828.41$17,455$3,005.06+$7.9KSMA
10$28,047$899.19$19,543$3,553.75+$8.5KSMA

SMA vs QYLD: Complete Analysis 2026

SMAStock

SMA is a dividend-paying stock. Use this calculator to estimate your future dividend income, DRIP compounding returns, and passive income potential from investing in SMA shares.

Full SMA Calculator →

QYLDETF

QYLD sells covered calls on the full Nasdaq 100 index, generating very high monthly income (10%+ yield). The strategy caps upside participation in exchange for income. Best suited for investors who prioritize maximum current income over capital appreciation. NAV erosion over time is a known trade-off.

Full QYLD Calculator →

Frequently Asked Questions

Is SMA or QYLD better for dividend income in 2026?
SMA currently offers a 4.00% yield (2.00/share/year) while QYLD offers 11.43% (1.92/share/year). QYLD provides higher current income. However, SMA has grown its dividend faster (5% 5Y CAGR), which may lead to better long-term income through compounding.
How much would $10,000 in SMA vs QYLD earn per year?
With $10,000 invested today: SMA pays approximately $400/year. QYLD pays approximately $1143/year. With DRIP reinvestment over 10 years, these grow to $899/year (SMA) and $3,554/year (QYLD).
Does SMA or QYLD pay monthly dividends?
SMA pays quarterly dividends. QYLD pays monthly dividends. QYLD pays monthly, which is preferred by investors who need regular cash flow.
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⚠️ Educational purposes only. Not financial advice. All projections use historical data; actual results will vary.