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TCHP vs RYLD: Dividend Comparison 2026

TCHP yields 4.53% · RYLD yields 4.00%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 RYLD wins by $1.1K in total portfolio value· pulled ahead in Year 5
10 years
TCHP
TCHP
● Live price
4.53%
Share price
$44.18
Annual div
$2.00
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$26.9K
Annual income
$605.04
Full TCHP 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 — TCHP vs RYLD

📍 RYLD pulled ahead of the other in Year 5

Annual dividend income

🛡️

Recession Test — Did They Cut Dividends?

How each stock treated shareholders during the 3 biggest crises of the last 20 years

Crisis PeriodTCHPRYLD
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%.
📅

Dividend Calendar Overlap

Combined, TCHP + RYLD cover 0 of 12 months — good coverage

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

Tax Bracket Optimizer

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

TCHP
Annual income on $10K today (after 15% tax)
$384.79/yr
After 10yr DRIP, annual income (after tax)
$514.28/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, RYLD beats the other by $250.03/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

TCHP: 50%RYLD: 50%
100% RYLD50/50100% TCHP
Portfolio after 10yr
$27.5K
Annual income
$752.12/yr
Blended yield
2.74%
🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

TCHP buys
0
RYLD buys
0
No recent congressional trades found for TCHP or RYLD in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricTCHPRYLD
Forward yield4.53% ✓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$26.9K$28.0K ✓
Annual income after 10y$605.04$899.19 ✓
Total dividends collected$5.3K$6.4K ✓
Payment frequencyquarterlyquarterly
SectorStockETF

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

YearTCHP PortfolioTCHP Income/yrRYLD PortfolioRYLD Income/yrGap
1$11,153$452.69$11,120$420.00+$33.00 → TCHP
2$12,405$471.85$12,357$458.31+$48.00 → TCHP
3$13,764$490.50$13,721$499.76+$43.00 → TCHP
4$15,236$508.63$15,227$544.58+$9.00 → TCHP
5← crossover$16,829$526.19$16,885$593.02$56.00 → RYLD
6$18,550$543.18$18,713$645.34$163.00 → RYLD
7$20,408$559.56$20,724$701.81$316.00 → RYLD
8$22,412$575.34$22,938$762.73$526.00 → RYLD
9$24,571$590.50$25,372$828.41$801.00 → RYLD
10$26,897$605.04$28,047$899.19$1.1K → RYLD

TCHP vs RYLD: Complete Analysis 2026

TCHP — Stock

The fund seeks to provide long-term capital growth. Income is a secondary objective.

Full TCHP 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.