Is SPAIF or XYLD a better dividend investment in 2026?

SPAIF currently yields 131.88% with a 5% 5-year dividend growth rate. XYLD yields 10.98% with 0.5% growth. The better choice depends on your goal: SPAIF offers higher current income.

What is the dividend yield difference between SPAIF and XYLD?

SPAIF has a forward dividend yield of 131.88% ($2.00/share annually). XYLD yields 10.98% ($4.30/share annually). The yield gap is 120.90 percentage points.

Home › Compare › SPAIF vs XYLD

SPAIF vs XYLD: Dividend Comparison 2026

SPAIF yields 131.88% · XYLD yields 10.98%● Live data

vsPost on X →

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

🏆 SPAIF wins by $13.23M in total portfolio value

INVESTMENT

TIME HORIZON10 years

SPAIF

● Live price

131.88%

Share price

$1.52

Annual div

$2.00

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$13.25M

Annual income

$5,319,618.29

Full SPAIF 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 — SPAIF vs XYLD

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

Jan

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Feb

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Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

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Sep

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Oct

—

Nov

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Dec

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SPAIF 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.

SPAIF

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

$11,210.02/yr

After 10yr DRIP, annual income (after tax)

$4,521,675.55/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, SPAIF beats the other by $4,518,939.38/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 SPAIF + XYLD for your $10,000?

SPAIF: 50%XYLD: 50%

100% XYLD50/50100% SPAIF

Portfolio after 10yr

$6.64M

Annual income

$2,661,418.65/yr

Blended yield

40.08%

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

SPAIF buys

XYLD buys

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

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

MetricSPAIFXYLD

Forward yield	131.88% ✓	10.98%
Annual dividend / share	$2.00	$4.30 ✓
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	0%	0%
Portfolio after 10y	$13.25M	$25.3K ✓
Annual income after 10y	$5,319,618.29 ✓	$3,219.02
Total dividends collected	$12.15M	$19.6K ✓
Payment frequency	quarterly	monthly
Sector	Stock	ETF

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

Year	SPAIF Portfolio	SPAIF Income/yr	XYLD Portfolio	XYLD Income/yr	Gap
1← crossover	$23,888	$13,188.26	$10,818	$1,098.39	+$13.1K → SPAIF
2	$55,004	$29,443.43	$11,738	$1,222.51	+$43.3K → SPAIF
3	$122,214	$63,359.72	$12,774	$1,364.64	+$109.4K → SPAIF
4	$262,339	$131,569.95	$13,944	$1,527.86	+$248.4K → SPAIF
5	$544,648	$263,945.93	$15,270	$1,715.87	+$529.4K → SPAIF
6	$1,094,909	$512,135.57	$16,775	$1,933.09	+$1.08M → SPAIF
7	$2,133,748	$962,195.00	$18,490	$2,184.87	+$2.12M → SPAIF
8	$4,035,555	$1,752,444.50	$20,450	$2,477.63	+$4.02M → SPAIF
9	$7,415,610	$3,097,566.37	$22,697	$2,819.19	+$7.39M → SPAIF
10	$13,254,321	$5,319,618.29	$25,280	$3,219.02	+$13.23M → SPAIF

SPAIF vs XYLD: Complete Analysis 2026

SPAIF — Stock

Sparc Al Inc, software and engineering company, engages in the development, patenting, and commercialization of spatial, predictive, approximation, and radial convolution (SPARC) technology. The company's SPARC solution turns sensors, cameras, or smartphone devices (fixed, mobile, airborne, portable, or handheld) into target co-ordinate acquisition systems. It also develops Target Acquisition System, a software platform that determines the location of any distant object; and an autonomous flight module. The company was formerly known as EYEFI Group Technologies Inc. and changed its name to Sparc Al Inc in August 2023. Sparc Al Inc was incorporated in 2018 and is headquartered in Melbourne, Australia.

Full SPAIF 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.