Is USE or QYLD a better dividend investment in 2026?

USE currently yields 2.20% with a 5% 5-year dividend growth rate. QYLD yields 11.43% with -2.1% growth. The better choice depends on your goal: QYLD offers higher current income.

What is the dividend yield difference between USE and QYLD?

USE has a forward dividend yield of 2.20% ($0.70/share annually). QYLD yields 11.43% ($1.92/share annually). The yield gap is 9.23 percentage points.

Home › Compare › USE vs QYLD

USE vs QYLD: Dividend Comparison 2026

USE yields 2.20% · QYLD yields 11.43%● Live data

vsPost on X →

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

🏆 USE wins by $3.4K in total portfolio value

INVESTMENT

TIME HORIZON10 years

USE

● Live price

2.20%

Share price

$31.89

Annual div

$0.70

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$22.9K

Annual income

$253.23

Full USE calculator →

QYLD

Global X Nasdaq 100 Covered Call ETF

● Live price

11.43%

Share price

$16.80

Annual div

$1.92

5Y div CAGR

-2.1%

Payout ratio

95%

After 10 yrs · $10,000 · DRIP

Portfolio value

$19.5K

Annual income

$3,553.75

Full QYLD calculator →

Portfolio growth — USE vs QYLD

📍 USE pulled ahead of the other in Year 1

Annual dividend income

🛡️

Recession Test — Did They Cut Dividends?

How each stock treated shareholders during the 3 biggest crises of the last 20 years

Crisis Period	USE	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, USE + QYLD cover 0 of 12 months — good coverage

Jan

—

Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

USE pays

QYLD pays

Both pay

Neither

💰

Tax Bracket Optimizer

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

USE

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

$186.75/yr

After 10yr DRIP, annual income (after tax)

$215.25/yr

QYLD

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

$971.43/yr

After 10yr DRIP, annual income (after tax)

$3,020.69/yr

At 15% tax rate, QYLD beats the other by $2,805.44/year in after-tax income after 10 years on $10,000

⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of USE + QYLD for your $10,000?

USE: 50%QYLD: 50%

100% QYLD50/50100% USE

Portfolio after 10yr

$21.2K

Annual income

$1,903.50/yr

Blended yield

8.96%

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

USE buys

QYLD buys

No recent congressional trades found for USE or QYLD in the last 90 days.

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

MetricUSEQYLD

Forward yield	2.20%	11.43% ✓
Annual dividend / share	$0.70	$1.92 ✓
Payout ratio	50% ✓	95%
1-year div growth	0% ✓	-5.2%
5-year div CAGR	0% ✓	-2.1%
Portfolio after 10y	$22.9K ✓	$19.5K
Annual income after 10y	$253.23	$3,553.75 ✓
Total dividends collected	$2.4K	$20.2K ✓
Payment frequency	quarterly	monthly
Sector	Stock	ETF

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

Year	USE Portfolio	USE Income/yr	QYLD Portfolio	QYLD Income/yr	Gap
1← crossover	$10,920	$219.71	$10,279	$1,118.86	+$641.00 → USE
2	$11,908	$224.22	$10,645	$1,229.16	+$1.3K → USE
3	$12,970	$228.53	$11,111	$1,360.44	+$1.9K → USE
4	$14,111	$232.62	$11,695	$1,517.70	+$2.4K → USE
5	$15,335	$236.52	$12,420	$1,707.39	+$2.9K → USE
6	$16,649	$240.23	$13,315	$1,937.94	+$3.3K → USE
7	$18,058	$243.75	$14,417	$2,220.42	+$3.6K → USE
8	$19,569	$247.08	$15,775	$2,569.54	+$3.8K → USE
9	$21,189	$250.24	$17,455	$3,005.06	+$3.7K → USE
10	$22,926	$253.23	$19,543	$3,553.75	+$3.4K → USE

USE vs QYLD: Complete Analysis 2026

USE — Stock

The USCF Energy Commodity Strategy Absolute Return Fund seeks long-term total return by using a proprietary methodology to invest in and allocate among energy-related derivative instruments based upon oil, petroleum, and natural gas, as well as other energy-related derivative instruments.

Full USE Calculator →

QYLD — ETF

QYLD sells covered calls on the full Nasdaq 100 index, generating very high monthly income (10%+ yield). The strategy caps upside participation in exchange for income. Best suited for investors who prioritize maximum current income over capital appreciation. NAV erosion over time is a known trade-off.

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.