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TOPC vs RYLD: Dividend Comparison 2026

TOPC yields 1.07% · RYLD yields 4.00%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 RYLD wins by $6.8K in total portfolio value
10 years
TOPC
TOPC
● Live price
1.07%
Share price
$30.01
Annual div
$0.32
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$21.2K
Annual income
$114.89
Full TOPC 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 — TOPC 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 PeriodTOPCRYLD
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, TOPC + RYLD cover 0 of 12 months — good coverage

Jan
—
Feb
—
Mar
—
Apr
—
May
—
Jun
—
Jul
—
Aug
—
Sep
—
Oct
—
Nov
—
Dec
—
TOPC 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.

TOPC
Annual income on $10K today (after 15% tax)
$91.09/yr
After 10yr DRIP, annual income (after tax)
$97.66/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 $666.66/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

TOPC: 50%RYLD: 50%
100% RYLD50/50100% TOPC
Portfolio after 10yr
$24.6K
Annual income
$507.04/yr
Blended yield
2.06%
🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

TOPC buys
0
RYLD buys
0
No recent congressional trades found for TOPC or RYLD in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricTOPCRYLD
Forward yield1.07%4.00% ✓
Annual dividend / share$0.32$2.00 ✓
Payout ratio50%50%
1-year div growth0%5% ✓
5-year div CAGR0%5% ✓
Portfolio after 10y$21.2K$28.0K ✓
Annual income after 10y$114.89$899.19 ✓
Total dividends collected$1.1K$6.4K ✓
Payment frequencyquarterlyquarterly
SectorStockETF

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

YearTOPC PortfolioTOPC Income/yrRYLD PortfolioRYLD Income/yrGap
1← crossover$10,807$107.17$11,120$420.00$313.00 → RYLD
2$11,672$108.24$12,357$458.31$685.00 → RYLD
3$12,598$109.25$13,721$499.76$1.1K → RYLD
4$13,590$110.21$15,227$544.58$1.6K → RYLD
5$14,653$111.11$16,885$593.02$2.2K → RYLD
6$15,790$111.96$18,713$645.34$2.9K → RYLD
7$17,008$112.76$20,724$701.81$3.7K → RYLD
8$18,313$113.51$22,938$762.73$4.6K → RYLD
9$19,709$114.22$25,372$828.41$5.7K → RYLD
10$21,203$114.89$28,047$899.19$6.8K → RYLD

TOPC vs RYLD: Complete Analysis 2026

TOPC — Stock

The iShares S&P 500 3% Capped ETF seeks to track the investment results of an index composed of the companies of the S&P 500, subject to a 3% company weight cap.

Full TOPC 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.