Is TFILX or XYLD a better dividend investment in 2026?

TFILX currently yields 3.53% with a 5% 5-year dividend growth rate. XYLD yields 10.98% with 0.5% growth. The better choice depends on your goal: XYLD offers higher current income.

What is the dividend yield difference between TFILX and XYLD?

TFILX has a forward dividend yield of 3.53% ($0.33/share annually). XYLD yields 10.98% ($4.30/share annually). The yield gap is 7.45 percentage points.

Home › Compare › TFILX vs XYLD

TFILX vs XYLD: Dividend Comparison 2026

TFILX yields 3.53% · XYLD yields 10.98%● Live data

vsPost on X →

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

🏆 XYLD wins by $147.00 in total portfolio value· pulled ahead in Year 10

INVESTMENT

TIME HORIZON10 years

TFILX

● Live price

3.53%

Share price

$9.30

Annual div

$0.33

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$25.1K

Annual income

$443.44

Full TFILX calculator →

XYLD

Global X S&P 500 Covered Call ETF

● Live price

10.98%

Share price

$39.13

Annual div

$4.30

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$25.3K

Annual income

$3,219.02

Full XYLD calculator →

Portfolio growth — TFILX vs XYLD

📍 XYLD pulled ahead of the other in Year 10

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 Period	TFILX	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, TFILX + XYLD cover 0 of 12 months — good coverage

Jan

—

Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

TFILX 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.

TFILX

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

$300.32/yr

After 10yr DRIP, annual income (after tax)

$376.92/yr

XYLD

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

$933.63/yr

After 10yr DRIP, annual income (after tax)

$2,736.17/yr

At 15% tax rate, XYLD beats the other by $2,359.24/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 TFILX + XYLD for your $10,000?

TFILX: 50%XYLD: 50%

100% XYLD50/50100% TFILX

Portfolio after 10yr

$25.2K

Annual income

$1,831.23/yr

Blended yield

7.26%

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

TFILX buys

XYLD buys

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

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

MetricTFILXXYLD

Forward yield	3.53%	10.98% ✓
Annual dividend / share	$0.33	$4.30 ✓
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	0%	0%
Portfolio after 10y	$25.1K	$25.3K ✓
Annual income after 10y	$443.44	$3,219.02 ✓
Total dividends collected	$4.0K	$19.6K ✓
Payment frequency	quarterly	monthly
Sector	Stock	ETF

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

Year	TFILX Portfolio	TFILX Income/yr	XYLD Portfolio	XYLD Income/yr	Gap
1	$11,053	$353.31	$10,818	$1,098.39	+$235.00 → TFILX
2	$12,192	$364.98	$11,738	$1,222.51	+$454.00 → TFILX
3	$13,422	$376.24	$12,774	$1,364.64	+$648.00 → TFILX
4	$14,748	$387.09	$13,944	$1,527.86	+$804.00 → TFILX
5	$16,178	$397.53	$15,270	$1,715.87	+$908.00 → TFILX
6	$17,718	$407.54	$16,775	$1,933.09	+$943.00 → TFILX
7	$19,376	$417.13	$18,490	$2,184.87	+$886.00 → TFILX
8	$21,158	$426.31	$20,450	$2,477.63	+$708.00 → TFILX
9	$23,074	$435.08	$22,697	$2,819.19	+$377.00 → TFILX
10← crossover	$25,133	$443.44	$25,280	$3,219.02	$147.00 → XYLD

TFILX vs XYLD: Complete Analysis 2026

TFILX — Stock

Normally, at least 80% of the fund's income will be exempt from federal income taxes. Although the fund may purchase securities of any maturity, the fund generally seeks longer-term municipal securities. Most investments are in investment-grade securities, which are securities rated in one of the four highest credit rating categories by at least one major credit rating agency or, if unrated, deemed to be of comparable quality by T. Rowe Price.

Full TFILX 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.