Is TMSF or QYLD a better dividend investment in 2026?

TMSF currently yields 2.19% with a 5% 5-year dividend growth rate. QYLD yields 11.92% with -2.1% growth. The better choice depends on your goal: QYLD offers higher current income.

What is the dividend yield difference between TMSF and QYLD?

TMSF has a forward dividend yield of 2.19% ($1.08/share annually). QYLD yields 11.92% ($2.04/share annually). The yield gap is 9.73 percentage points.

Home › Compare › TMSF vs QYLD

TMSF vs QYLD: Dividend Comparison 2026

TMSF yields 2.19% · QYLD yields 11.92%● Live data

vsPost on X →

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

🏆 QYLD wins by $2.5K in total portfolio value· pulled ahead in Year 9

INVESTMENT

TIME HORIZON10 years

TMSF

● Live price

2.19%

Share price

$49.27

Annual div

$1.08

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$22.9K

Annual income

$251.99

Full TMSF 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 — TMSF vs QYLD

📍 QYLD pulled ahead of the other in Year 9

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	TMSF	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%.

📅

Dividend Calendar Overlap

Combined, TMSF + QYLD cover 0 of 12 months — good coverage

Jan

—

Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

TMSF pays

QYLD pays

Both pay

Neither

💰

Tax Bracket Optimizer

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

TMSF

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

$185.95/yr

After 10yr DRIP, annual income (after tax)

$214.19/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, QYLD beats the other by $4,596.22/year in after-tax income after 10 years on $10,000

⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of TMSF + QYLD for your $10,000?

TMSF: 50%QYLD: 50%

100% QYLD50/50100% TMSF

Portfolio after 10yr

$24.2K

Annual income

$2,955.65/yr

Blended yield

12.24%

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

TMSF 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 →

MetricTMSFQYLD

Forward yield	2.19%	11.92% ✓
Annual dividend / share	$1.08	$2.04 ✓
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	0%	0%
Portfolio after 10y	$22.9K	$25.4K ✓
Annual income after 10y	$251.99	$5,659.31 ✓
Total dividends collected	$2.4K	$27.1K ✓
Payment frequency	quarterly	monthly
Sector	Stock	ETF

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

Year	TMSF Portfolio	TMSF Income/yr	QYLD Portfolio	QYLD Income/yr	Gap
1	$10,919	$218.77	$10,352	$1,192.36	+$567.00 → TMSF
2	$11,906	$223.24	$10,830	$1,347.57	+$1.1K → TMSF
3	$12,967	$227.51	$11,460	$1,539.07	+$1.5K → TMSF
4	$14,107	$231.57	$12,275	$1,777.84	+$1.8K → TMSF
5	$15,329	$235.43	$13,323	$2,078.95	+$2.0K → TMSF
6	$16,642	$239.10	$14,667	$2,463.34	+$2.0K → TMSF
7	$18,049	$242.59	$16,396	$2,960.57	+$1.7K → TMSF
8	$19,558	$245.90	$18,631	$3,612.97	+$927.00 → TMSF
9← crossover	$21,177	$249.03	$21,548	$4,482.15	$371.00 → QYLD
10	$22,911	$251.99	$25,398	$5,659.31	$2.5K → QYLD

TMSF vs QYLD: Complete Analysis 2026

TMSF — Stock

The fund seeks to provide high income and some capital appreciation.

Full TMSF 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 →

📬

Get this TMSF vs QYLD comparison by email

Save your analysis + weekly dividend insights. Free forever.

More comparisons

TMSF vs SCHD TMSF vs JEPI TMSF vs O TMSF vs KO TMSF vs MAIN TMSF vs XYLD TMSF vs JEPQ TMSF vs RYLD

⚠️ Educational purposes only. Not financial advice. Congressional trades sourced from SEC STOCK Act filings via FMP. Past performance does not guarantee future results.