Is UNRIF or XYLD a better dividend investment in 2026?

UNRIF currently yields 217.86% with a 5% 5-year dividend growth rate. XYLD yields 10.98% with 0.5% growth. The better choice depends on your goal: UNRIF offers higher current income.

What is the dividend yield difference between UNRIF and XYLD?

UNRIF has a forward dividend yield of 217.86% ($2.00/share annually). XYLD yields 10.98% ($4.30/share annually). The yield gap is 206.88 percentage points.

Home › Compare › UNRIF vs XYLD

UNRIF vs XYLD: Dividend Comparison 2026

UNRIF yields 217.86% · XYLD yields 10.98%● Live data

vsPost on X →

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

🏆 UNRIF wins by $197.57M in total portfolio value

INVESTMENT

TIME HORIZON10 years

UNRIF

● Live price

217.86%

Share price

$0.92

Annual div

$2.00

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$197.60M

Annual income

$103,838,497.97

Full UNRIF 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 — UNRIF vs XYLD

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

Jan

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Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

UNRIF 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.

UNRIF

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

$18,518.52/yr

After 10yr DRIP, annual income (after tax)

$88,262,723.27/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, UNRIF beats the other by $88,259,987.11/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 UNRIF + XYLD for your $10,000?

UNRIF: 50%XYLD: 50%

100% XYLD50/50100% UNRIF

Portfolio after 10yr

$98.81M

Annual income

$51,920,858.49/yr

Blended yield

52.55%

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

UNRIF buys

XYLD buys

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

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

MetricUNRIFXYLD

Forward yield	217.86% ✓	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	$197.60M ✓	$25.3K
Annual income after 10y	$103,838,497.97 ✓	$3,219.02
Total dividends collected	$187.07M ✓	$19.6K
Payment frequency	quarterly	monthly
Sector	Stock	ETF

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

Year	UNRIF Portfolio	UNRIF Income/yr	XYLD Portfolio	XYLD Income/yr	Gap
1← crossover	$32,486	$21,786.49	$10,818	$1,098.39	+$21.7K → UNRIF
2	$100,907	$66,146.42	$11,738	$1,222.51	+$89.2K → UNRIF
3	$299,988	$192,017.55	$12,774	$1,364.64	+$287.2K → UNRIF
4	$854,494	$533,506.69	$13,944	$1,527.86	+$840.5K → UNRIF
5	$2,334,546	$1,420,238.07	$15,270	$1,715.87	+$2.32M → UNRIF
6	$6,124,325	$3,626,360.32	$16,775	$1,933.09	+$6.11M → UNRIF
7	$15,443,870	$8,890,841.81	$18,490	$2,184.87	+$15.43M → UNRIF
8	$37,478,461	$20,953,520.33	$20,450	$2,477.63	+$37.46M → UNRIF
9	$87,624,405	$47,522,451.93	$22,697	$2,819.19	+$87.60M → UNRIF
10	$197,596,611	$103,838,497.97	$25,280	$3,219.02	+$197.57M → UNRIF

UNRIF vs XYLD: Complete Analysis 2026

UNRIF — Stock

United Company RUSAL, International Public Joint-Stock Company produces and sells aluminum and related products. It operates through four segments: Aluminium, Alumina, Energy, and Mining and Metals. The company is involved in the mining and refining of bauxite and nepheline ore into alumina; the smelting of primary aluminum from alumina; and the fabrication of aluminum and aluminum alloys into semi-fabricated and finished products. Its products include primary aluminum, billets, rolling slabs, primary foundry alloys, wire rods, high-purity aluminum, foil and packaging products, aluminum wheels and powders, alumina and bauxite products, corundum products, and gallium and silicon products, as well as aluminum anodes for cathodic protection. The company is also involved in the mining and sale of coal; generation and transmission of electricity produced from various sources; and trading businesses. In addition, it offers repair and maintenance, and finance services. The company sells its products primarily in Europe, Russia, other countries of the Commonwealth of Independent States, Asia, and North and South America. The company was founded in 2000 and is based in Kaliningrad, Russia. United Company RUSAL, International Public Joint-Stock Company is a subsidiary of En+ GROUP International public joint-stock company.

Full UNRIF 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.