HomeCompareUSMF vs XYLD

USMF vs XYLD: Dividend Comparison 2026

USMF yields 1.42% · XYLD yields 11.20%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 XYLD wins by $4.1K in total portfolio value· pulled ahead in Year 2
10 years
USMF
USMF
● Live price
1.42%
Share price
$49.38
Annual div
$0.70
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$21.7K
Annual income
$155.72
Full USMF 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
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$25.9K
Annual income
$3,351.03
Full XYLD calculator →

Portfolio growth — USMF vs XYLD

📍 XYLD pulled ahead of the other in Year 2

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 PeriodUSMFXYLD
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, USMF + XYLD cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
USMF pays
XYLD pays
Both pay
Neither
💰

Tax Bracket Optimizer

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

USMF
Annual income on $10K today (after 15% tax)
$120.72/yr
After 10yr DRIP, annual income (after tax)
$132.36/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, XYLD beats the other by $2,716.01/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

USMF: 50%XYLD: 50%
100% XYLD50/50100% USMF
Portfolio after 10yr
$23.8K
Annual income
$1,753.37/yr
Blended yield
7.37%
🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

USMF buys
0
XYLD buys
0
No recent congressional trades found for USMF or XYLD in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricUSMFXYLD
Forward yield1.42%11.20%
Annual dividend / share$0.70$4.30
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR0%0%
Portfolio after 10y$21.7K$25.9K
Annual income after 10y$155.72$3,351.03
Total dividends collected$1.5K$20.2K
Payment frequencyquarterlymonthly
SectorStockETF

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

YearUSMF PortfolioUSMF Income/yrXYLD PortfolioXYLD Income/yrGap
1$10,842$142.02$10,840$1,120.44+$2.00USMF
2← crossover$11,745$143.91$11,786$1,249.59$41.00XYLD
3$12,713$145.69$12,854$1,397.78$141.00XYLD
4$13,750$147.38$14,063$1,568.33$313.00XYLD
5$14,861$148.98$15,434$1,765.19$573.00XYLD
6$16,052$150.49$16,995$1,993.14$943.00XYLD
7$17,328$151.91$18,777$2,257.95$1.4KXYLD
8$18,694$153.26$20,818$2,566.58$2.1KXYLD
9$20,157$154.52$23,163$2,927.50$3.0KXYLD
10$21,724$155.72$25,865$3,351.03$4.1KXYLD

USMF vs XYLD: Complete Analysis 2026

USMFStock

Under normal circumstances, at least 80% of the fund's total assets will be invested in component securities of the index and investments that have economic characteristics that are substantially identical to the economic characteristics of such component securities. The index is generally comprised of 200 U.S. companies with the highest composite scores based on two fundamental factors (value and quality measures) and two technical factors (momentum and correlation). The fund is non-diversified.

Full USMF Calculator →

XYLDETF

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 USMF vs XYLD comparison by email

Save your analysis + weekly dividend insights. Free forever.

More comparisons

USMF vs SCHDUSMF vs JEPIUSMF vs OUSMF vs KOUSMF vs MAINUSMF vs QYLDUSMF vs JEPQUSMF 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.