Is TWIRF or XYLD a better dividend investment in 2026?

TWIRF currently yields 2.33% with a 5% 5-year dividend growth rate. XYLD yields 10.98% with 0.5% growth. The better choice depends on your goal: XYLD offers higher current income.

What is the dividend yield difference between TWIRF and XYLD?

TWIRF has a forward dividend yield of 2.33% ($0.04/share annually). XYLD yields 10.98% ($4.30/share annually). The yield gap is 8.65 percentage points.

Home › Compare › TWIRF vs XYLD

TWIRF vs XYLD: Dividend Comparison 2026

TWIRF yields 2.33% · XYLD yields 10.98%● Live data

vsPost on X →

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

🏆 XYLD wins by $3.1K in total portfolio value· pulled ahead in Year 5

INVESTMENT

TIME HORIZON10 years

TWIRF

● Live price

2.33%

Share price

$1.85

Annual div

$0.04

5Y div CAGR

-6.1%

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$22.2K

Annual income

$139.35

Full TWIRF 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 — TWIRF vs XYLD

📍 XYLD pulled ahead of the other in Year 5

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	TWIRF	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%.

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Dividend Calendar Overlap

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

Jan

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Feb

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Mar

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Apr

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May

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Jun

—

Jul

—

Aug

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Sep

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Oct

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Nov

—

Dec

—

TWIRF pays

XYLD pays

Both pay

Neither

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Tax Bracket Optimizer

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

TWIRF

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

$198.18/yr

After 10yr DRIP, annual income (after tax)

$118.45/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 $2,617.72/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 TWIRF + XYLD for your $10,000?

TWIRF: 50%XYLD: 50%

100% XYLD50/50100% TWIRF

Portfolio after 10yr

$23.7K

Annual income

$1,679.19/yr

Blended yield

7.07%

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

TWIRF buys

XYLD buys

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

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

MetricTWIRFXYLD

Forward yield	2.33%	10.98% ✓
Annual dividend / share	$0.04	$4.30 ✓
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	-6.1%	0% ✓
Portfolio after 10y	$22.2K	$25.3K ✓
Annual income after 10y	$139.35	$3,219.02 ✓
Total dividends collected	$1.8K	$19.6K ✓
Payment frequency	quarterly	monthly
Sector	Stock	ETF

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

Year	TWIRF Portfolio	TWIRF Income/yr	XYLD Portfolio	XYLD Income/yr	Gap
1	$10,919	$218.93	$10,818	$1,098.39	+$101.00 → TWIRF
2	$11,893	$209.78	$11,738	$1,222.51	+$155.00 → TWIRF
3	$12,926	$200.52	$12,774	$1,364.64	+$152.00 → TWIRF
4	$14,022	$191.26	$13,944	$1,527.86	+$78.00 → TWIRF
5← crossover	$15,186	$182.07	$15,270	$1,715.87	$84.00 → XYLD
6	$16,422	$173.04	$16,775	$1,933.09	$353.00 → XYLD
7	$17,736	$164.22	$18,490	$2,184.87	$754.00 → XYLD
8	$19,133	$155.64	$20,450	$2,477.63	$1.3K → XYLD
9	$20,619	$147.34	$22,697	$2,819.19	$2.1K → XYLD
10	$22,202	$139.35	$25,280	$3,219.02	$3.1K → XYLD

TWIRF vs XYLD: Complete Analysis 2026

TWIRF — Stock

Tree Island Steel Ltd. manufactures and sells steel wire and fabricated steel wire products for industrial, construction, agricultural, and specialty applications in Canada, the United States, and internationally. It offers industrial products, such as pulp and unitizing, recycling wire, chain link, upholstery, low carbon, and shaped wires, as well as straight and cut bars and wirelines for use in the oil industry. The company also provides residential products, including bulk and collated nails, packaged nails and fasteners, and packaged and bulk screws; nail head identification systems; and woven and welded wires, and corners and accessories. In addition, it offers commercial products comprising reinforcing mesh, pipe mesh and flexicage, Rebar tie wire, and engineered structural mesh, concrete reinforcing wires, as well as mine mesh products. Further, the company provides agricultural products consisting of agricultural wire, rolled fencing, fence panels, and fence staples and stay. Tree Island Steel Ltd. markets its products under the Tree Island, Halsteel, True Spec, K-Lath, Stucco-Rite, TI Wire, Tough Strand, and ToughPanel brand names. The company was formerly known as Tree Island Wire Income Fund and changed its name to Tree Island Steel Ltd. in October 2012. Tree Island Steel Ltd. was founded in 1964 and is headquartered in Richmond, Canada.

Full TWIRF 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 →

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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.