Is SPFR or XYLD a better dividend investment in 2026?

SPFR currently yields 23.70% with a 5% 5-year dividend growth rate. XYLD yields 11.20% with 0.5% growth. The better choice depends on your goal: SPFR offers higher current income.

What is the dividend yield difference between SPFR and XYLD?

SPFR has a forward dividend yield of 23.70% ($2.00/share annually). XYLD yields 11.20% ($4.30/share annually). The yield gap is 12.50 percentage points.

Home › Compare › SPFR vs XYLD

SPFR vs XYLD: Dividend Comparison 2026

SPFR yields 23.70% · XYLD yields 11.20%● Live data

vsPost on X →

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

🏆 SPFR wins by $65.5K in total portfolio value

INVESTMENT

TIME HORIZON10 years

SPFR

● Live price

23.70%

Share price

$8.44

Annual div

$2.00

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$91.4K

Annual income

$9,823.08

Full SPFR calculator →

XYLD

Global X S&P 500 Covered Call ETF

● Live price

11.20%

Share price

$38.36

Annual div

$4.30

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$25.9K

Annual income

$3,351.03

Full XYLD calculator →

Portfolio growth — SPFR vs XYLD

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

Jan

—

Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

SPFR 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.

SPFR

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

$2,014.22/yr

After 10yr DRIP, annual income (after tax)

$8,349.62/yr

XYLD

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

$952.37/yr

After 10yr DRIP, annual income (after tax)

$2,848.38/yr

At 15% tax rate, SPFR beats the other by $5,501.24/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 SPFR + XYLD for your $10,000?

SPFR: 50%XYLD: 50%

100% XYLD50/50100% SPFR

Portfolio after 10yr

$58.6K

Annual income

$6,587.05/yr

Blended yield

11.24%

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

SPFR buys

XYLD buys

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

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

MetricSPFRXYLD

Forward yield	23.70% ✓	11.20%
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	$91.4K ✓	$25.9K
Annual income after 10y	$9,823.08 ✓	$3,351.03
Total dividends collected	$56.4K ✓	$20.2K
Payment frequency	quarterly	monthly
Sector	Stock	ETF

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

Year	SPFR Portfolio	SPFR Income/yr	XYLD Portfolio	XYLD Income/yr	Gap
1← crossover	$13,070	$2,369.67	$10,840	$1,120.44	+$2.2K → SPFR
2	$16,879	$2,894.47	$11,786	$1,249.59	+$5.1K → SPFR
3	$21,554	$3,493.55	$12,854	$1,397.78	+$8.7K → SPFR
4	$27,232	$4,169.33	$14,063	$1,568.33	+$13.2K → SPFR
5	$34,062	$4,923.06	$15,434	$1,765.19	+$18.6K → SPFR
6	$42,201	$5,754.83	$16,995	$1,993.14	+$25.2K → SPFR
7	$51,818	$6,663.53	$18,777	$2,257.95	+$33.0K → SPFR
8	$63,092	$7,646.87	$20,818	$2,566.58	+$42.3K → SPFR
9	$76,210	$8,701.50	$23,163	$2,927.50	+$53.0K → SPFR
10	$91,368	$9,823.08	$25,865	$3,351.03	+$65.5K → SPFR

SPFR vs XYLD: Complete Analysis 2026

SPFR — Stock

Jaws Spitfire Acquisition Corporation does not have significant operations. It intends to effect a merger, share exchange, asset acquisition, share purchase, reorganization, or similar business combination with one or more businesses or entities. The company, formerly known as Spitfire Acquisition Corporation, was incorporated in 2020 and is based in Miami Beach, Florida.

Full SPFR 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.