Is TRFFX or QYLD a better dividend investment in 2026?

TRFFX currently yields 4.81% 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 TRFFX and QYLD?

TRFFX has a forward dividend yield of 4.81% ($0.99/share annually). QYLD yields 11.92% ($2.04/share annually). The yield gap is 7.11 percentage points.

Home › Compare › TRFFX vs QYLD

TRFFX vs QYLD: Dividend Comparison 2026

TRFFX yields 4.81% · QYLD yields 11.92%● Live data

vsPost on X →

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

🏆 TRFFX wins by $2.0K in total portfolio value

INVESTMENT

TIME HORIZON10 years

TRFFX

● Live price

4.81%

Share price

$20.51

Annual div

$0.99

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$27.4K

Annual income

$655.27

Full TRFFX 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 — TRFFX vs QYLD

📍 TRFFX 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	TRFFX	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%.

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Dividend Calendar Overlap

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

Jan

—

Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

TRFFX pays

QYLD pays

Both pay

Neither

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Tax Bracket Optimizer

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

TRFFX

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

$409.25/yr

After 10yr DRIP, annual income (after tax)

$556.98/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 $4,253.43/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 TRFFX + QYLD for your $10,000?

TRFFX: 50%QYLD: 50%

100% QYLD50/50100% TRFFX

Portfolio after 10yr

$26.4K

Annual income

$3,157.29/yr

Blended yield

11.95%

📊

Analyst Conviction Gap

Where Wall Street is most bullish on TRFFX right now

TRFFX

Analyst Ratings

Buy

Hold

Consensus: Hold

QYLD

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)

TRFFX buys

QYLD buys

No recent congressional trades found for TRFFX or QYLD in the last 90 days.

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

MetricTRFFXQYLD

Forward yield	4.81%	11.92% ✓
Annual dividend / share	$0.99	$2.04 ✓
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	0%	0%
Portfolio after 10y	$27.4K ✓	$25.4K
Annual income after 10y	$655.27	$5,659.31 ✓
Total dividends collected	$5.7K	$27.1K ✓
Payment frequency	quarterly	monthly
Sector	Stock	ETF

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

Year	TRFFX Portfolio	TRFFX Income/yr	QYLD Portfolio	QYLD Income/yr	Gap
1← crossover	$11,181	$481.47	$10,352	$1,192.36	+$829.00 → TRFFX
2	$12,467	$503.14	$10,830	$1,347.57	+$1.6K → TRFFX
3	$13,864	$524.30	$11,460	$1,539.07	+$2.4K → TRFFX
4	$15,380	$544.90	$12,275	$1,777.84	+$3.1K → TRFFX
5	$17,021	$564.92	$13,323	$2,078.95	+$3.7K → TRFFX
6	$18,797	$584.31	$14,667	$2,463.34	+$4.1K → TRFFX
7	$20,716	$603.06	$16,396	$2,960.57	+$4.3K → TRFFX
8	$22,787	$621.14	$18,631	$3,612.97	+$4.2K → TRFFX
9	$25,021	$638.54	$21,548	$4,482.15	+$3.5K → TRFFX
10	$27,427	$655.27	$25,398	$5,659.31	+$2.0K → TRFFX

TRFFX vs QYLD: Complete Analysis 2026

TRFFX — Stock

The investment seeks the highest total return over time consistent with an emphasis on both capital growth and income. The fund pursues its objective by investing in a diversified portfolio of other T. Rowe Price stock and bond mutual funds that represent various asset classes and sectors. It is managed based on the specific retirement year (target date 2055) included in its name and assumes a retirement age of 65. The target date refers to the approximate year an investor in the fund would plan to retire and likely stop making new investments in the fund.

Full TRFFX 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 →

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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.