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SPYI vs XYLD: Dividend Comparison 2026

SPYI yields 12.50% · XYLD yields 11.20%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 SPYI wins by $19.7K in total portfolio value
10 years
SPYI
SPYI
● Live price
12.50%
Share price
$49.37
Annual div
$6.17
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$45.6K
Annual income
$2,723.59
Full SPYI 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
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$25.9K
Annual income
$3,351.03
Full XYLD calculator →

Portfolio growth — SPYI vs XYLD

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

Jan
—
Feb
—
Mar
—
Apr
—
May
—
Jun
—
Jul
—
Aug
—
Sep
—
Oct
—
Nov
—
Dec
—
SPYI pays
XYLD pays
Both pay
Neither
💰

Tax Bracket Optimizer

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

SPYI
Annual income on $10K today (after 15% tax)
$1,062.57/yr
After 10yr DRIP, annual income (after tax)
$2,315.05/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, XYLD beats the other by $533.32/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of SPYI + XYLD for your $10,000?

SPYI: 50%XYLD: 50%
100% XYLD50/50100% SPYI
Portfolio after 10yr
$35.7K
Annual income
$3,037.31/yr
Blended yield
8.50%
🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

SPYI buys
0
XYLD buys
0
No recent congressional trades found for SPYI or XYLD in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricSPYIXYLD
Forward yield12.50% ✓11.20%
Annual dividend / share$6.17 ✓$4.30
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR0%0%
Portfolio after 10y$45.6K ✓$25.9K
Annual income after 10y$2,723.59$3,351.03 ✓
Total dividends collected$19.7K$20.2K ✓
Payment frequencyquarterlymonthly
SectorStockETF

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

YearSPYI PortfolioSPYI Income/yrXYLD PortfolioXYLD Income/yrGap
1← crossover$11,950$1,250.08$10,840$1,120.44+$1.1K → SPYI
2$14,183$1,396.12$11,786$1,249.59+$2.4K → SPYI
3$16,724$1,548.56$12,854$1,397.78+$3.9K → SPYI
4$19,601$1,706.58$14,063$1,568.33+$5.5K → SPYI
5$22,843$1,869.33$15,434$1,765.19+$7.4K → SPYI
6$26,478$2,035.95$16,995$1,993.14+$9.5K → SPYI
7$30,537$2,205.54$18,777$2,257.95+$11.8K → SPYI
8$35,051$2,377.23$20,818$2,566.58+$14.2K → SPYI
9$40,055$2,550.19$23,163$2,927.50+$16.9K → SPYI
10$45,583$2,723.59$25,865$3,351.03+$19.7K → SPYI

SPYI vs XYLD: Complete Analysis 2026

SPYI — Stock

The NEOS S&P 500 High Income ETF seeks high monthly income in a tax efficient manner, with the potential for upside appreciation in rising markets.

Full SPYI 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.