Is SMMCF or XYLD a better dividend investment in 2026?

SMMCF currently yields 24.05% with a 5% 5-year dividend growth rate. XYLD yields 10.98% with 0.5% growth. The better choice depends on your goal: SMMCF offers higher current income.

What is the dividend yield difference between SMMCF and XYLD?

SMMCF has a forward dividend yield of 24.05% ($4.15/share annually). XYLD yields 10.98% ($4.30/share annually). The yield gap is 13.07 percentage points.

Home › Compare › SMMCF vs XYLD

SMMCF vs XYLD: Dividend Comparison 2026

SMMCF yields 24.05% · XYLD yields 10.98%● Live data

vsPost on X →

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

🏆 SMMCF wins by $68.1K in total portfolio value

INVESTMENT

TIME HORIZON10 years

SMMCF

● Live price

24.05%

Share price

$17.27

Annual div

$4.15

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$93.3K

Annual income

$10,170.36

Full SMMCF 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 — SMMCF vs XYLD

📍 SMMCF 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	SMMCF	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%.

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Dividend Calendar Overlap

Combined, SMMCF + XYLD cover 0 of 12 months — good coverage

Jan

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Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

SMMCF pays

XYLD pays

Both pay

Neither

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Tax Bracket Optimizer

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

SMMCF

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

$2,044.59/yr

After 10yr DRIP, annual income (after tax)

$8,644.81/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, SMMCF beats the other by $5,908.64/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 SMMCF + XYLD for your $10,000?

SMMCF: 50%XYLD: 50%

100% XYLD50/50100% SMMCF

Portfolio after 10yr

$59.3K

Annual income

$6,694.69/yr

Blended yield

11.29%

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

SMMCF buys

XYLD buys

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

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

MetricSMMCFXYLD

Forward yield	24.05% ✓	10.98%
Annual dividend / share	$4.15	$4.30 ✓
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	0%	0%
Portfolio after 10y	$93.3K ✓	$25.3K
Annual income after 10y	$10,170.36 ✓	$3,219.02
Total dividends collected	$58.1K ✓	$19.6K
Payment frequency	quarterly	monthly
Sector	Stock	ETF

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

Year	SMMCF Portfolio	SMMCF Income/yr	XYLD Portfolio	XYLD Income/yr	Gap
1← crossover	$13,105	$2,405.40	$10,818	$1,098.39	+$2.3K → SMMCF
2	$16,969	$2,946.15	$11,738	$1,222.51	+$5.2K → SMMCF
3	$21,722	$3,565.12	$12,774	$1,364.64	+$8.9K → SMMCF
4	$27,508	$4,265.15	$13,944	$1,527.86	+$13.6K → SMMCF
5	$34,481	$5,047.83	$15,270	$1,715.87	+$19.2K → SMMCF
6	$42,808	$5,913.54	$16,775	$1,933.09	+$26.0K → SMMCF
7	$52,666	$6,861.38	$18,490	$2,184.87	+$34.2K → SMMCF
8	$64,242	$7,889.19	$20,450	$2,477.63	+$43.8K → SMMCF
9	$77,732	$8,993.65	$22,697	$2,819.19	+$55.0K → SMMCF
10	$93,344	$10,170.36	$25,280	$3,219.02	+$68.1K → SMMCF

SMMCF vs XYLD: Complete Analysis 2026

SMMCF — Stock

Summit Industrial Income REIT is an unincorporated open-end REIT focused on growing and managing a portfolio of light industrial and other properties across Canada. Summit II's units are listed on the TSX and trade under the symbol SMU.UN.

Full SMMCF 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 →

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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.