Is UMI or QYLD a better dividend investment in 2026?

UMI currently yields 5.96% 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 UMI and QYLD?

UMI has a forward dividend yield of 5.96% ($3.49/share annually). QYLD yields 11.92% ($2.04/share annually). The yield gap is 5.96 percentage points.

Home › Compare › UMI vs QYLD

UMI vs QYLD: Dividend Comparison 2026

UMI yields 5.96% · QYLD yields 11.92%● Live data

vsPost on X →

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

🏆 UMI wins by $4.2K in total portfolio value

INVESTMENT

TIME HORIZON10 years

UMI

● Live price

5.96%

Share price

$58.59

Annual div

$3.49

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$29.6K

Annual income

$870.56

Full UMI 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 — UMI vs QYLD

📍 UMI 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	UMI	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, UMI + QYLD 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

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Jul

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Aug

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Sep

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Oct

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Nov

—

Dec

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UMI 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.

UMI

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

$506.22/yr

After 10yr DRIP, annual income (after tax)

$739.98/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 $4,070.44/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 UMI + QYLD for your $10,000?

UMI: 50%QYLD: 50%

100% QYLD50/50100% UMI

Portfolio after 10yr

$27.5K

Annual income

$3,264.94/yr

Blended yield

11.87%

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Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

UMI buys

QYLD buys

Politician	Chamber	Ticker	Type	Amount	Date
Tim Moore	🏢 House	$QYLD	▼ Sell	$15,001 - $50,000	2025-05-02
Tim Moore	🏢 House	$QYLD	▲ Buy	$15,001 - $50,000	2025-04-07
Dwight Evans	🏢 House	$QYLD	▼ Sell	$1,001 - $15,000	2022-11-14
Dwight Evans	🏢 House	$QYLD	▼ Sell	$1,001 - $15,000	2020-10-29

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

MetricUMIQYLD

Forward yield	5.96%	11.92% ✓
Annual dividend / share	$3.49 ✓	$2.04
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	0%	0%
Portfolio after 10y	$29.6K ✓	$25.4K
Annual income after 10y	$870.56	$5,659.31 ✓
Total dividends collected	$7.4K	$27.1K ✓
Payment frequency	quarterly	monthly
Sector	Stock	ETF

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

Year	UMI Portfolio	UMI Income/yr	QYLD Portfolio	QYLD Income/yr	Gap
1← crossover	$11,296	$595.55	$10,352	$1,192.36	+$944.00 → UMI
2	$12,715	$628.70	$10,830	$1,347.57	+$1.9K → UMI
3	$14,266	$661.40	$11,460	$1,539.07	+$2.8K → UMI
4	$15,959	$693.56	$12,275	$1,777.84	+$3.7K → UMI
5	$17,801	$725.07	$13,323	$2,078.95	+$4.5K → UMI
6	$19,803	$755.86	$14,667	$2,463.34	+$5.1K → UMI
7	$21,975	$785.85	$16,396	$2,960.57	+$5.6K → UMI
8	$24,328	$815.00	$18,631	$3,612.97	+$5.7K → UMI
9	$26,874	$843.25	$21,548	$4,482.15	+$5.3K → UMI
10	$29,626	$870.56	$25,398	$5,659.31	+$4.2K → UMI

UMI vs QYLD: Complete Analysis 2026

UMI — Stock

The Fund seeks a high level of current income and, as a secondary objective, capital appreciation. It is an actively managed ETF investing in equity securities of U.S. and Canadian companies engaged in the midstream energy sector.

Full UMI 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.