Is TERNF or QYLD a better dividend investment in 2026?

TERNF currently yields 3282.99% with a 5% 5-year dividend growth rate. QYLD yields 11.92% with -2.1% growth. The better choice depends on your goal: TERNF offers higher current income.

What is the dividend yield difference between TERNF and QYLD?

TERNF has a forward dividend yield of 3282.99% ($2.00/share annually). QYLD yields 11.92% ($2.04/share annually). The yield gap is 3271.07 percentage points.

Home › Compare › TERNF vs QYLD

TERNF vs QYLD: Dividend Comparison 2026

TERNF yields 3282.99% · QYLD yields 11.92%● Live data

vsPost on X →

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

🏆 TERNF wins by $1075402959448.72M in total portfolio value

INVESTMENT

TIME HORIZON10 years

TERNF

● Live price

3282.99%

Share price

$0.06

Annual div

$2.00

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$1075402959448.75M

Annual income

$1,014,608,213,287,210,200.00

Full TERNF calculator →

QYLD

Global X Nasdaq 100 Covered Call ETF

● Live price

11.92%

Share price

$17.15

Annual div

$2.04

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$25.4K

Annual income

$5,659.31

Full QYLD calculator →

Portfolio growth — TERNF vs QYLD

📍 TERNF 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	TERNF	QYLD
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, TERNF + QYLD cover 0 of 12 months — good coverage

Jan

—

Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

TERNF pays

QYLD pays

Both pay

Neither

💰

Tax Bracket Optimizer

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

TERNF

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

$279,054.50/yr

After 10yr DRIP, annual income (after tax)

$862,416,981,294,128,600.00/yr

QYLD

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

$1,013.51/yr

After 10yr DRIP, annual income (after tax)

$4,810.41/yr

At 15% tax rate, TERNF beats the other by $862,416,981,294,123,800.00/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 TERNF + QYLD for your $10,000?

TERNF: 50%QYLD: 50%

100% QYLD50/50100% TERNF

Portfolio after 10yr

$537701479724.39M

Annual income

$507,304,106,643,607,940.00/yr

Blended yield

94.35%

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Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

TERNF buys

QYLD buys

Politician	Chamber	Ticker	Type	Amount	Date
Tim Moore	🏢 House	$QYLD	▼ Sell	$15,001 - $50,000	2025-05-02
Tim Moore	🏢 House	$QYLD	▲ Buy	$15,001 - $50,000	2025-04-07
Dwight Evans	🏢 House	$QYLD	▼ Sell	$1,001 - $15,000	2022-11-14
Dwight Evans	🏢 House	$QYLD	▼ Sell	$1,001 - $15,000	2020-10-29

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

MetricTERNFQYLD

Forward yield	3282.99% ✓	11.92%
Annual dividend / share	$2.00	$2.04 ✓
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	0%	0%
Portfolio after 10y	$1075402959448.75M ✓	$25.4K
Annual income after 10y	$1,014,608,213,287,210,200.00 ✓	$5,659.31
Total dividends collected	$1071219041409.57M ✓	$27.1K
Payment frequency	quarterly	monthly
Sector	Stock	ETF

Year-by-year: TERNF vs QYLD ($10,000, DRIP)

Year	TERNF Portfolio	TERNF Income/yr	QYLD Portfolio	QYLD Income/yr	Gap
1← crossover	$338,999	$328,299.41	$10,352	$1,192.36	+$328.6K → TERNF
2	$10,763,973	$10,401,243.52	$10,830	$1,347.57	+$10.75M → TERNF
3	$320,173,747	$308,656,296.47	$11,460	$1,539.07	+$320.16M → TERNF
4	$8,922,925,709	$8,580,339,799.29	$12,275	$1,777.84	+$8922.91M → TERNF
5	$233,029,385,430	$223,481,854,921.49	$13,323	$2,078.95	+$233029.37M → TERNF
6	$5,703,928,810,280	$5,454,587,367,869.43	$14,667	$2,463.34	+$5703928.80M → TERNF
7	$130,882,212,623,220	$124,779,008,796,220.45	$16,396	$2,960.57	+$130882212.61M → TERNF
8	$2,815,909,500,284,071	$2,675,865,532,777,225.00	$18,631	$3,612.97	+$2815909500.27M → TERNF
9	$56,817,519,777,139,680	$53,804,496,611,835,720.00	$21,548	$4,482.15	+$56817519777.12M → TERNF
10	$1,075,402,959,448,749,800	$1,014,608,213,287,210,200.00	$25,398	$5,659.31	+$1075402959448.72M → TERNF

TERNF vs QYLD: Complete Analysis 2026

TERNF — Stock

Tern Plc is a venture capital firm specializing in growth capital investment. The firm typically invests in the software companies having IoT security, Artificial Intelligence ("AI"), Machine Learning ("ML"), Virtual/Augmented Reality ("VR/AR") and Data Science, enablement and analytics solutions for the healthcare and industrial sectors. The firm primarily invest in companies based in United Kingdom. Tern Plc is based in London, the United Kingdom. Tern Plc formerly known as Silvermere Energy plc.

Full TERNF Calculator →

QYLD — ETF

The Global X Nasdaq 100 Covered Call ETF (QYLD) seeks to provide investment results that correspond generally to the price and yield performance, before fees and expenses, of the Cboe Nasdaq-100 BuyWrite V2 Index.

Full QYLD 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.