Is TOITF or RYLD a better dividend investment in 2026?

TOITF currently yields 2.52% with a 5% 5-year dividend growth rate. RYLD yields 12.14% with 5% growth. The better choice depends on your goal: RYLD offers higher current income.

What is the dividend yield difference between TOITF and RYLD?

TOITF has a forward dividend yield of 2.52% ($1.69/share annually). RYLD yields 12.14% ($1.81/share annually). The yield gap is 9.62 percentage points.

Home › Compare › TOITF vs RYLD

TOITF vs RYLD: Dividend Comparison 2026

TOITF yields 2.52% · RYLD yields 12.14%● Live data

vsPost on X →

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

🏆 RYLD wins by $21.1K in total portfolio value

INVESTMENT

TIME HORIZON10 years

TOITF

● Live price

2.52%

Share price

$67.05

Annual div

$1.69

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$23.4K

Annual income

$295.97

Full TOITF calculator →

RYLD

● Live price

12.14%

Share price

$14.95

Annual div

$1.81

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$44.5K

Annual income

$2,587.35

Full RYLD calculator →

Portfolio growth — TOITF vs RYLD

📍 RYLD 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	TOITF	RYLD
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, TOITF + RYLD cover 0 of 12 months — good coverage

Jan

—

Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

TOITF pays

RYLD pays

Both pay

Neither

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Tax Bracket Optimizer

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

TOITF

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

$213.86/yr

After 10yr DRIP, annual income (after tax)

$251.57/yr

RYLD

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

$1,031.60/yr

After 10yr DRIP, annual income (after tax)

$2,199.25/yr

At 15% tax rate, RYLD beats the other by $1,947.67/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 TOITF + RYLD for your $10,000?

TOITF: 50%RYLD: 50%

100% RYLD50/50100% TOITF

Portfolio after 10yr

$34.0K

Annual income

$1,441.66/yr

Blended yield

4.24%

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Analyst Conviction Gap

Where Wall Street is split right now

TOITF

Analyst Ratings

Hold

Consensus: Hold

Altman Z

2.4

Piotroski

5/9

RYLD

No analyst data

Analyst ratings via FMP. Altman Z-Score: >3.0 safe, 1.81–3.0 grey zone, <1.81 distress. Piotroski: 7–9 strong, 0–3 weak.

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Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

TOITF buys

RYLD buys

No recent congressional trades found for TOITF or RYLD in the last 90 days.

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

MetricTOITFRYLD

Forward yield	2.52%	12.14% ✓
Annual dividend / share	$1.69	$1.81 ✓
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	0%	0%
Portfolio after 10y	$23.4K	$44.5K ✓
Annual income after 10y	$295.97	$2,587.35 ✓
Total dividends collected	$2.8K	$18.8K ✓
Payment frequency	quarterly	quarterly
Sector	Stock	ETF

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

Year	TOITF Portfolio	TOITF Income/yr	RYLD Portfolio	RYLD Income/yr	Gap
1← crossover	$10,952	$251.60	$11,914	$1,213.65	$962.00 → RYLD
2	$11,976	$257.52	$14,099	$1,351.30	$2.1K → RYLD
3	$13,077	$263.18	$16,580	$1,494.55	$3.5K → RYLD
4	$14,261	$268.58	$19,384	$1,642.61	$5.1K → RYLD
5	$15,533	$273.74	$22,535	$1,794.70	$7.0K → RYLD
6	$16,899	$278.65	$26,063	$1,950.00	$9.2K → RYLD
7	$18,365	$283.32	$29,995	$2,107.69	$11.6K → RYLD
8	$19,939	$287.76	$34,361	$2,266.99	$14.4K → RYLD
9	$21,627	$291.97	$39,194	$2,427.12	$17.6K → RYLD
10	$23,436	$295.97	$44,525	$2,587.35	$21.1K → RYLD

TOITF vs RYLD: Complete Analysis 2026

TOITF — Stock

Topicus.com Inc. provides vertical market software and vertical market platforms in Europe. It develops, installs, and customizes mission-critical software solutions, as well as provides related professional services and support for customers across diverse markets primarily in Europe. The company consumer centric platforms and common workspaces; and software solutions that provide customers with business values and allows them to operate at a high level of efficiency. It serves education, healthcare, social services, local and central government, retail, financial services and accountancy, legal services, real estate, automotive, maritime, and professional associations. The company was incorporated in 2020 and is headquartered in Deventer, Netherlands.

Full TOITF Calculator →

RYLD — ETF

The Global X Russell 2000 Covered Call ETF (RYLD) seeks to provide investment results that correspond generally to the price and yield performance, before fees and expenses, of the Cboe Russell 2000 BuyWrite Index.

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.