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SPBU vs RYLD: Dividend Comparison 2026

SPBU yields 7.36% · RYLD yields 4.00%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 SPBU wins by $4.5K in total portfolio value
10 years
SPBU
SPBU
● Live price
7.36%
Share price
$27.17
Annual div
$2.00
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$32.6K
Annual income
$1,174.12
Full SPBU calculator →
RYLD
RYLD
● Live price
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 RYLD calculator →

Portfolio growth — SPBU vs RYLD

📍 SPBU 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 PeriodSPBURYLD
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, SPBU + RYLD cover 0 of 12 months — good coverage

Jan
—
Feb
—
Mar
—
Apr
—
May
—
Jun
—
Jul
—
Aug
—
Sep
—
Oct
—
Nov
—
Dec
—
SPBU pays
RYLD pays
Both pay
Neither
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Tax Bracket Optimizer

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

SPBU
Annual income on $10K today (after 15% tax)
$625.69/yr
After 10yr DRIP, annual income (after tax)
$998.00/yr
RYLD
Annual income on $10K today (after 15% tax)
$340.00/yr
After 10yr DRIP, annual income (after tax)
$764.31/yr
At 15% tax rate, SPBU beats the other by $233.69/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of SPBU + RYLD for your $10,000?

SPBU: 50%RYLD: 50%
100% RYLD50/50100% SPBU
Portfolio after 10yr
$30.3K
Annual income
$1,036.66/yr
Blended yield
3.42%
🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

SPBU buys
0
RYLD buys
0
No recent congressional trades found for SPBU or RYLD in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricSPBURYLD
Forward yield7.36% ✓4.00%
Annual dividend / share$2.00$2.00
Payout ratio50%50%
1-year div growth0%5% ✓
5-year div CAGR0%5% ✓
Portfolio after 10y$32.6K ✓$28.0K
Annual income after 10y$1,174.12 ✓$899.19
Total dividends collected$9.6K ✓$6.4K
Payment frequencyquarterlyquarterly
SectorStockETF

Year-by-year: SPBU vs RYLD ($10,000, DRIP)

YearSPBU PortfolioSPBU Income/yrRYLD PortfolioRYLD Income/yrGap
1← crossover$11,436$736.11$11,120$420.00+$316.00 → SPBU
2$13,023$786.75$12,357$458.31+$666.00 → SPBU
3$14,772$837.33$13,721$499.76+$1.1K → SPBU
4$16,694$887.64$15,227$544.58+$1.5K → SPBU
5$18,800$937.49$16,885$593.02+$1.9K → SPBU
6$21,103$986.69$18,713$645.34+$2.4K → SPBU
7$23,615$1,035.09$20,724$701.81+$2.9K → SPBU
8$26,351$1,082.54$22,938$762.73+$3.4K → SPBU
9$29,324$1,128.92$25,372$828.41+$4.0K → SPBU
10$32,551$1,174.12$28,047$899.19+$4.5K → SPBU

SPBU vs RYLD: Complete Analysis 2026

SPBU — Stock

The fund seeks to provide capital appreciation with downside risk mitigation.

Full SPBU Calculator →

RYLD — ETF

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

Full RYLD 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.