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UN vs XYLD: Dividend Comparison 2026

UN yields 4.00% · XYLD yields 9.02%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 UN wins by $6.9K in total portfolio value
10 years
UN
UN
● Live price
4.00%
Share price
$50.00
Annual div
$2.00
5Y div CAGR
5%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$28.0K
Annual income
$899.19
Full UN calculator →
XYLD
Global X S&P 500 Covered Call ETF
● Live price
9.02%
Share price
$38.60
Annual div
$3.48
5Y div CAGR
0.5%
Payout ratio
90%
After 10 yrs · $10,000 · DRIP
Portfolio value
$21.1K
Annual income
$2,363.75
Full XYLD calculator →

Portfolio growth — UN vs XYLD

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

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

Tax Bracket Optimizer

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

UN
Annual income on $10K today (after 15% tax)
$340.00/yr
After 10yr DRIP, annual income (after tax)
$764.31/yr
XYLD
Annual income on $10K today (after 15% tax)
$766.32/yr
After 10yr DRIP, annual income (after tax)
$2,009.19/yr
At 15% tax rate, XYLD beats the other by $1,244.88/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of UN + XYLD for your $10,000?

UN: 50%XYLD: 50%
100% XYLD50/50100% UN
Portfolio after 10yr
$24.6K
Annual income
$1,631.48/yr
Blended yield
6.63%
🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

UN buys
0
XYLD buys
0
No recent congressional trades found for UN or XYLD in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricUNXYLD
Forward yield4.00%9.02% ✓
Annual dividend / share$2.00$3.48 ✓
Payout ratio50% ✓90%
1-year div growth5% ✓-2.1%
5-year div CAGR5% ✓0.5%
Portfolio after 10y$28.0K ✓$21.1K
Annual income after 10y$899.19$2,363.75 ✓
Total dividends collected$6.4K$15.0K ✓
Payment frequencyquarterlymonthly
SectorStockETF

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

YearUN PortfolioUN Income/yrXYLD PortfolioXYLD Income/yrGap
1← crossover$11,120$420.00$10,626$906.06+$494.00 → UN
2$12,357$458.31$11,324$995.47+$1.0K → UN
3$13,721$499.76$12,104$1,096.88+$1.6K → UN
4$15,227$544.58$12,977$1,212.21+$2.3K → UN
5$16,885$593.02$13,958$1,343.80+$2.9K → UN
6$18,713$645.34$15,061$1,494.40+$3.7K → UN
7$20,724$701.81$16,307$1,667.30+$4.4K → UN
8$22,938$762.73$17,717$1,866.48+$5.2K → UN
9$25,372$828.41$19,317$2,096.71+$6.1K → UN
10$28,047$899.19$21,140$2,363.75+$6.9K → UN

UN vs XYLD: Complete Analysis 2026

UN — Stock

UN is a dividend-paying stock. Use this calculator to estimate your future dividend income, DRIP compounding returns, and passive income potential from investing in UN shares.

Full UN Calculator →

XYLD — ETF

XYLD sells covered calls on the S&P 500, converting equity volatility into monthly income. Yields 8-10% depending on market conditions. Similar to QYLD but with S&P 500 exposure — less volatile but comparable income mechanics. Popular for retirement income portfolios alongside other dividend ETFs.

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.