Is USCTF or XYLD a better dividend investment in 2026?

USCTF currently yields 105.26% with a 5% 5-year dividend growth rate. XYLD yields 11.20% with 0.5% growth. The better choice depends on your goal: USCTF offers higher current income.

What is the dividend yield difference between USCTF and XYLD?

USCTF has a forward dividend yield of 105.26% ($2.00/share annually). XYLD yields 11.20% ($4.30/share annually). The yield gap is 94.06 percentage points.

Home › Compare › USCTF vs XYLD

USCTF vs XYLD: Dividend Comparison 2026

USCTF yields 105.26% · XYLD yields 11.20%● Live data

vsPost on X →

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

🏆 USCTF wins by $4.79M in total portfolio value

INVESTMENT

TIME HORIZON10 years

USCTF

● Live price

105.26%

Share price

$1.90

Annual div

$2.00

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$4.82M

Annual income

$1,680,113.32

Full USCTF 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 — USCTF vs XYLD

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

Jan

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Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

USCTF 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.

USCTF

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

$8,947.37/yr

After 10yr DRIP, annual income (after tax)

$1,428,096.32/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, USCTF beats the other by $1,425,247.95/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 USCTF + XYLD for your $10,000?

USCTF: 50%XYLD: 50%

100% XYLD50/50100% USCTF

Portfolio after 10yr

$2.42M

Annual income

$841,732.17/yr

Blended yield

34.74%

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

USCTF buys

XYLD buys

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

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

MetricUSCTFXYLD

Forward yield	105.26% ✓	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	$4.82M	$25.9K ✓
Annual income after 10y	$1,680,113.32 ✓	$3,351.03
Total dividends collected	$4.33M	$20.2K ✓
Payment frequency	quarterly	monthly
Sector	Stock	ETF

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

Year	USCTF Portfolio	USCTF Income/yr	XYLD Portfolio	XYLD Income/yr	Gap
1← crossover	$21,226	$10,526.32	$10,840	$1,120.44	+$10.4K → USCTF
2	$43,594	$20,881.77	$11,786	$1,249.59	+$31.8K → USCTF
3	$86,726	$40,080.65	$12,854	$1,397.78	+$73.9K → USCTF
4	$167,317	$74,520.40	$14,063	$1,568.33	+$153.3K → USCTF
5	$313,393	$134,363.82	$15,434	$1,765.19	+$298.0K → USCTF
6	$570,536	$235,205.45	$16,995	$1,993.14	+$553.5K → USCTF
7	$1,010,656	$400,181.57	$18,777	$2,257.95	+$991.9K → USCTF
8	$1,743,912	$662,511.02	$20,818	$2,566.58	+$1.72M → USCTF
9	$2,934,379	$1,068,392.54	$23,163	$2,927.50	+$2.91M → USCTF
10	$4,819,899	$1,680,113.32	$25,865	$3,351.03	+$4.79M → USCTF

USCTF vs XYLD: Complete Analysis 2026

USCTF — Stock

Roth CH Acquisition Co. 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 was formerly known as TKB Critical Technologies 1 and changed its name to Roth CH Acquisition Co. in September 2023. Roth CH Acquisition Co. was incorporated in 2021 and is based in Miami Beach, Florida.

Full USCTF 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.