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UDI vs QYLD: Dividend Comparison 2026

UDI yields 2.53% · QYLD yields 11.92%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 QYLD wins by $1.9K in total portfolio value· pulled ahead in Year 10
10 years
UDI
UDI
● Live price
2.53%
Share price
$33.85
Annual div
$0.86
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$23.5K
Annual income
$297.69
Full UDI calculator →
QYLD
Global X Nasdaq 100 Covered Call ETF
● Live price
11.92%
Share price
$17.15
Annual div
$2.04
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$25.4K
Annual income
$5,659.31
Full QYLD calculator →

Portfolio growth — UDI vs QYLD

📍 QYLD pulled ahead of the other in Year 10

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 PeriodUDIQYLD
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, UDI + QYLD cover 0 of 12 months — good coverage

Jan
—
Feb
—
Mar
—
Apr
—
May
—
Jun
—
Jul
—
Aug
—
Sep
—
Oct
—
Nov
—
Dec
—
UDI pays
QYLD pays
Both pay
Neither
💰

Tax Bracket Optimizer

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

UDI
Annual income on $10K today (after 15% tax)
$214.93/yr
After 10yr DRIP, annual income (after tax)
$253.04/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 $4,557.38/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of UDI + QYLD for your $10,000?

UDI: 50%QYLD: 50%
100% QYLD50/50100% UDI
Portfolio after 10yr
$24.4K
Annual income
$2,978.50/yr
Blended yield
12.19%
🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

UDI buys
0
QYLD buys
0
No recent congressional trades found for UDI or QYLD in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricUDIQYLD
Forward yield2.53%11.92% ✓
Annual dividend / share$0.86$2.04 ✓
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR0%0%
Portfolio after 10y$23.5K$25.4K ✓
Annual income after 10y$297.69$5,659.31 ✓
Total dividends collected$2.8K$27.1K ✓
Payment frequencyquarterlymonthly
SectorStockETF

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

YearUDI PortfolioUDI Income/yrQYLD PortfolioQYLD Income/yrGap
1$10,953$252.86$10,352$1,192.36+$601.00 → UDI
2$11,978$258.84$10,830$1,347.57+$1.1K → UDI
3$13,081$264.55$11,460$1,539.07+$1.6K → UDI
4$14,267$270.01$12,275$1,777.84+$2.0K → UDI
5$15,541$275.22$13,323$2,078.95+$2.2K → UDI
6$16,909$280.18$14,667$2,463.34+$2.2K → UDI
7$18,378$284.90$16,396$2,960.57+$2.0K → UDI
8$19,953$289.39$18,631$3,612.97+$1.3K → UDI
9$21,644$293.65$21,548$4,482.15+$96.00 → UDI
10← crossover$23,457$297.69$25,398$5,659.31$1.9K → QYLD

UDI vs QYLD: Complete Analysis 2026

UDI — Stock

The USCF Dividend Income Fund (UDI) seeks a high level of current income and growth of income by investing in U.S. exchange-traded dividend-paying and dividend-growth companies that meet ESG criteria.

Full UDI 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.