Is TORW or XYLD a better dividend investment in 2026?

TORW currently yields 11.07% with a 5% 5-year dividend growth rate. XYLD yields 10.98% with 0.5% growth. The better choice depends on your goal: TORW offers higher current income.

What is the dividend yield difference between TORW and XYLD?

TORW has a forward dividend yield of 11.07% ($9.96/share annually). XYLD yields 10.98% ($4.30/share annually). The yield gap is 0.09 percentage points.

Home › Compare › TORW vs XYLD

TORW vs XYLD: Dividend Comparison 2026

TORW yields 11.07% · XYLD yields 10.98%● Live data

vsPost on X →

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

🏆 TORW wins by $16.3K in total portfolio value

INVESTMENT

TIME HORIZON10 years

TORW

● Live price

11.07%

Share price

$90.00

Annual div

$9.96

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$41.5K

Annual income

$2,212.66

Full TORW 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 — TORW vs XYLD

📍 TORW pulled ahead of the other in Year 1

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	TORW	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%.

📅

Dividend Calendar Overlap

Combined, TORW + XYLD cover 0 of 12 months — good coverage

Jan

—

Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

TORW pays

XYLD pays

Both pay

Neither

💰

Tax Bracket Optimizer

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

TORW

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

$940.67/yr

After 10yr DRIP, annual income (after tax)

$1,880.76/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 $855.41/year in after-tax income after 10 years on $10,000

⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of TORW + XYLD for your $10,000?

TORW: 50%XYLD: 50%

100% XYLD50/50100% TORW

Portfolio after 10yr

$33.4K

Annual income

$2,715.84/yr

Blended yield

8.13%

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

TORW buys

XYLD buys

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

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

MetricTORWXYLD

Forward yield	11.07% ✓	10.98%
Annual dividend / share	$9.96 ✓	$4.30
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	0%	0%
Portfolio after 10y	$41.5K ✓	$25.3K
Annual income after 10y	$2,212.66	$3,219.02 ✓
Total dividends collected	$16.5K	$19.6K ✓
Payment frequency	quarterly	monthly
Sector	Stock	ETF

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

Year	TORW Portfolio	TORW Income/yr	XYLD Portfolio	XYLD Income/yr	Gap
1← crossover	$11,807	$1,106.67	$10,818	$1,098.39	+$989.00 → TORW
2	$13,854	$1,221.13	$11,738	$1,222.51	+$2.1K → TORW
3	$16,163	$1,339.16	$12,774	$1,364.64	+$3.4K → TORW
4	$18,755	$1,460.14	$13,944	$1,527.86	+$4.8K → TORW
5	$21,651	$1,583.41	$15,270	$1,715.87	+$6.4K → TORW
6	$24,875	$1,708.35	$16,775	$1,933.09	+$8.1K → TORW
7	$28,451	$1,834.32	$18,490	$2,184.87	+$10.0K → TORW
8	$32,403	$1,960.74	$20,450	$2,477.63	+$12.0K → TORW
9	$36,758	$2,087.03	$22,697	$2,819.19	+$14.1K → TORW
10	$41,544	$2,212.66	$25,280	$3,219.02	+$16.3K → TORW

TORW vs XYLD: Complete Analysis 2026

TORW — Stock

The Torrington Water Company operates as a regulated public water utility. It offers water sources to approximately 10,000 customers in the city of Torrington, as well as in the towns of Burlington, Harwinton, Litchfield, and New Hartford, Connecticut. The company was founded in 1873 and is based in Torrington, Connecticut.

Full TORW 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 →

📬

Get this TORW vs XYLD comparison by email

Save your analysis + weekly dividend insights. Free forever.

More comparisons

TORW vs SCHD TORW vs JEPI TORW vs O TORW vs KO TORW vs MAIN TORW vs QYLD TORW vs JEPQ TORW 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.