Is USCT or XYLD a better dividend investment in 2026?

USCT currently yields 20.28% with a 5% 5-year dividend growth rate. XYLD yields 11.20% with 0.5% growth. The better choice depends on your goal: USCT offers higher current income.

What is the dividend yield difference between USCT and XYLD?

USCT has a forward dividend yield of 20.28% ($2.00/share annually). XYLD yields 11.20% ($4.30/share annually). The yield gap is 9.08 percentage points.

Home › Compare › USCT vs XYLD

USCT vs XYLD: Dividend Comparison 2026

USCT yields 20.28% · XYLD yields 11.20%● Live data

vsPost on X →

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

🏆 USCT wins by $48.4K in total portfolio value

INVESTMENT

TIME HORIZON10 years

USCT

● Live price

20.28%

Share price

$9.86

Annual div

$2.00

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$74.3K

Annual income

$6,945.53

Full USCT calculator →

XYLD

Global X S&P 500 Covered Call ETF

● Live price

11.20%

Share price

$38.36

Annual div

$4.30

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$25.9K

Annual income

$3,351.03

Full XYLD calculator →

Portfolio growth — USCT vs XYLD

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

Jan

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Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

USCT 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.

USCT

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

$1,724.14/yr

After 10yr DRIP, annual income (after tax)

$5,903.70/yr

XYLD

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

$952.37/yr

After 10yr DRIP, annual income (after tax)

$2,848.38/yr

At 15% tax rate, USCT beats the other by $3,055.33/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 USCT + XYLD for your $10,000?

USCT: 50%XYLD: 50%

100% XYLD50/50100% USCT

Portfolio after 10yr

$50.1K

Annual income

$5,148.27/yr

Blended yield

10.28%

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

USCT buys

XYLD buys

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

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

MetricUSCTXYLD

Forward yield	20.28% ✓	11.20%
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	$74.3K ✓	$25.9K
Annual income after 10y	$6,945.53 ✓	$3,351.03
Total dividends collected	$42.6K ✓	$20.2K
Payment frequency	quarterly	monthly
Sector	Stock	ETF

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

Year	USCT Portfolio	USCT Income/yr	XYLD Portfolio	XYLD Income/yr	Gap
1← crossover	$12,728	$2,028.40	$10,840	$1,120.44	+$1.9K → USCT
2	$16,032	$2,412.92	$11,786	$1,249.59	+$4.2K → USCT
3	$19,995	$2,840.41	$12,854	$1,397.78	+$7.1K → USCT
4	$24,705	$3,310.72	$14,063	$1,568.33	+$10.6K → USCT
5	$30,258	$3,823.04	$15,434	$1,765.19	+$14.8K → USCT
6	$36,752	$4,375.94	$16,995	$1,993.14	+$19.8K → USCT
7	$44,292	$4,967.39	$18,777	$2,257.95	+$25.5K → USCT
8	$52,987	$5,594.86	$20,818	$2,566.58	+$32.2K → USCT
9	$62,952	$6,255.36	$23,163	$2,927.50	+$39.8K → USCT
10	$74,304	$6,945.53	$25,865	$3,351.03	+$48.4K → USCT

USCT vs XYLD: Complete Analysis 2026

USCT — Stock

TKB Critical Technologies 1 does not have significant operations. It intends to effect a merger, capital stock exchange, asset acquisition, stock purchase, reorganization, or related business combination with one or more businesses. The company focuses on businesses in the advanced manufacturing, artificial intelligence, automation, data security, energy storage and power management, financial technology, industrial software, Internet of Things, microelectronics, robotics, and wireless communications equipment sectors. TKB Critical Technologies 1 was incorporated in 2021 and is based in El Segundo, California.

Full USCT 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.