Is USG or XYLD a better dividend investment in 2026?

USG currently yields 25.90% with a 5% 5-year dividend growth rate. XYLD yields 10.98% with 0.5% growth. The better choice depends on your goal: USG offers higher current income.

What is the dividend yield difference between USG and XYLD?

USG has a forward dividend yield of 25.90% ($9.52/share annually). XYLD yields 10.98% ($4.30/share annually). The yield gap is 14.92 percentage points.

Home › Compare › USG vs XYLD

USG vs XYLD: Dividend Comparison 2026

USG yields 25.90% · XYLD yields 10.98%● Live data

vsPost on X →

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

🏆 USG wins by $78.9K in total portfolio value

INVESTMENT

TIME HORIZON10 years

USG

● Live price

25.90%

Share price

$36.75

Annual div

$9.52

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$104.2K

Annual income

$12,123.43

Full USG 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 — USG vs XYLD

📍 USG 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	USG	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%.

📅

Dividend Calendar Overlap

Combined, USG + XYLD cover 0 of 12 months — good coverage

Jan

—

Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

USG pays

XYLD pays

Both pay

Neither

💰

Tax Bracket Optimizer

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

USG

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

$2,201.74/yr

After 10yr DRIP, annual income (after tax)

$10,304.92/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, USG beats the other by $7,568.75/year in after-tax income after 10 years on $10,000

⚖️

Lazy Portfolio Split Optimizer

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

USG: 50%XYLD: 50%

100% XYLD50/50100% USG

Portfolio after 10yr

$64.7K

Annual income

$7,671.22/yr

Blended yield

11.85%

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

USG buys

XYLD buys

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

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

MetricUSGXYLD

Forward yield	25.90% ✓	10.98%
Annual dividend / share	$9.52 ✓	$4.30
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	0%	0%
Portfolio after 10y	$104.2K ✓	$25.3K
Annual income after 10y	$12,123.43 ✓	$3,219.02
Total dividends collected	$67.0K ✓	$19.6K
Payment frequency	quarterly	monthly
Sector	Stock	ETF

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

Year	USG Portfolio	USG Income/yr	XYLD Portfolio	XYLD Income/yr	Gap
1← crossover	$13,290	$2,590.29	$10,818	$1,098.39	+$2.5K → USG
2	$17,438	$3,217.35	$11,738	$1,222.51	+$5.7K → USG
3	$22,604	$3,945.26	$12,774	$1,364.64	+$9.8K → USG
4	$28,966	$4,779.46	$13,944	$1,527.86	+$15.0K → USG
5	$36,717	$5,723.94	$15,270	$1,715.87	+$21.4K → USG
6	$46,068	$6,781.06	$16,775	$1,933.09	+$29.3K → USG
7	$57,245	$7,951.48	$18,490	$2,184.87	+$38.8K → USG
8	$70,486	$9,234.14	$20,450	$2,477.63	+$50.0K → USG
9	$86,046	$10,626.25	$22,697	$2,819.19	+$63.3K → USG
10	$104,193	$12,123.43	$25,280	$3,219.02	+$78.9K → USG

USG vs XYLD: Complete Analysis 2026

USG — Stock

The fund adviser seeks to achieve its investment objective by maintaining substantial economic exposure to the performance of the physical gold and gold futures markets (the “Gold Markets”). The fund will only invest in COMEX Gold Warrants and gold futures through the subsidiary. The fund is non-diversified.

Full USG 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 →

📬

Get this USG vs XYLD comparison by email

Save your analysis + weekly dividend insights. Free forever.

More comparisons

USG vs SCHD USG vs JEPI USG vs O USG vs KO USG vs MAIN USG vs QYLD USG vs JEPQ USG vs RYLD

⚠️ Educational purposes only. Not financial advice. Congressional trades sourced from SEC STOCK Act filings via FMP. Past performance does not guarantee future results.