Is UGDIF or XYLD a better dividend investment in 2026?

UGDIF currently yields 666.67% with a 5% 5-year dividend growth rate. XYLD yields 10.98% with 0.5% growth. The better choice depends on your goal: UGDIF offers higher current income.

What is the dividend yield difference between UGDIF and XYLD?

UGDIF has a forward dividend yield of 666.67% ($2.00/share annually). XYLD yields 10.98% ($4.30/share annually). The yield gap is 655.69 percentage points.

Home › Compare › UGDIF vs XYLD

UGDIF vs XYLD: Dividend Comparison 2026

UGDIF yields 666.67% · XYLD yields 10.98%● Live data

vsPost on X →

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

🏆 UGDIF wins by $608115.63M in total portfolio value

INVESTMENT

TIME HORIZON10 years

UGDIF

● Live price

666.67%

Share price

$0.30

Annual div

$2.00

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$608115.66M

Annual income

$469,561,018,816.25

Full UGDIF 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 — UGDIF vs XYLD

📍 UGDIF 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	UGDIF	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, UGDIF + XYLD cover 0 of 12 months — good coverage

Jan

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Feb

—

Mar

—

Apr

—

May

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Jun

—

Jul

—

Aug

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Sep

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Oct

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Nov

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Dec

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UGDIF pays

XYLD pays

Both pay

Neither

💰

Tax Bracket Optimizer

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

UGDIF

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

$56,666.67/yr

After 10yr DRIP, annual income (after tax)

$399,126,865,993.81/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, UGDIF beats the other by $399,126,863,257.65/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 UGDIF + XYLD for your $10,000?

UGDIF: 50%XYLD: 50%

100% XYLD50/50100% UGDIF

Portfolio after 10yr

$304057.84M

Annual income

$234,780,511,017.63/yr

Blended yield

77.22%

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

UGDIF buys

XYLD buys

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

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

MetricUGDIFXYLD

Forward yield	666.67% ✓	10.98%
Annual dividend / share	$2.00	$4.30 ✓
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	0%	0%
Portfolio after 10y	$608115.66M ✓	$25.3K
Annual income after 10y	$469,561,018,816.25 ✓	$3,219.02
Total dividends collected	$596792.85M ✓	$19.6K
Payment frequency	quarterly	monthly
Sector	Stock	ETF

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

Year	UGDIF Portfolio	UGDIF Income/yr	XYLD Portfolio	XYLD Income/yr	Gap
1← crossover	$77,367	$66,666.67	$10,818	$1,098.39	+$66.5K → UGDIF
2	$564,818	$482,035.31	$11,738	$1,222.51	+$553.1K → UGDIF
3	$3,893,246	$3,288,890.67	$12,774	$1,364.64	+$3.88M → UGDIF
4	$25,352,760	$21,186,987.16	$13,944	$1,527.86	+$25.34M → UGDIF
5	$156,070,781	$128,943,327.59	$15,270	$1,715.87	+$156.06M → UGDIF
6	$908,837,800	$741,842,064.29	$16,775	$1,933.09	+$908.82M → UGDIF
7	$5,009,769,782	$4,037,313,336.56	$18,490	$2,184.87	+$5009.75M → UGDIF
8	$26,159,339,258	$20,798,885,591.56	$20,450	$2,477.63	+$26159.32M → UGDIF
9	$129,490,317,125	$101,499,824,118.87	$22,697	$2,819.19	+$129490.29M → UGDIF
10	$608,115,658,140	$469,561,018,816.25	$25,280	$3,219.02	+$608115.63M → UGDIF

UGDIF vs XYLD: Complete Analysis 2026

UGDIF — Stock

Unigold Inc., a junior natural resource company, focuses on exploring and developing gold projects in Canada and the Dominican Republic. The company also explores for copper, silver, and zinc deposits. It holds an 100% interest in the Neita property covering an area of 21,031 hectares in the Dominican Republic. The company was formerly known as Caribgold Resources Inc. and changed its name to Unigold Inc. in December 2002. Unigold Inc. was incorporated in 1990 and is headquartered in Toronto, Canada.

Full UGDIF 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.