Is USNZY or XYLD a better dividend investment in 2026?

USNZY currently yields 4.10% with a 5% 5-year dividend growth rate. XYLD yields 10.98% with 0.5% growth. The better choice depends on your goal: XYLD offers higher current income.

What is the dividend yield difference between USNZY and XYLD?

USNZY has a forward dividend yield of 4.10% ($0.05/share annually). XYLD yields 10.98% ($4.30/share annually). The yield gap is 6.88 percentage points.

Home › Compare › USNZY vs XYLD

USNZY vs XYLD: Dividend Comparison 2026

USNZY yields 4.10% · XYLD yields 10.98%● Live data

vsPost on X →

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

🏆 XYLD wins by $4.5K in total portfolio value· pulled ahead in Year 4

INVESTMENT

TIME HORIZON10 years

USNZY

● Live price

4.10%

Share price

$1.22

Annual div

$0.05

5Y div CAGR

-38.5%

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$20.8K

Annual income

$3.35

Full USNZY 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 — USNZY vs XYLD

📍 XYLD pulled ahead of the other in Year 4

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	USNZY	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, USNZY + XYLD cover 0 of 12 months — good coverage

Jan

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Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

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Sep

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Oct

—

Nov

—

Dec

—

USNZY pays

XYLD pays

Both pay

Neither

💰

Tax Bracket Optimizer

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

USNZY

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

$348.36/yr

After 10yr DRIP, annual income (after tax)

$2.85/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, XYLD beats the other by $2,733.32/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 USNZY + XYLD for your $10,000?

USNZY: 50%XYLD: 50%

100% XYLD50/50100% USNZY

Portfolio after 10yr

$23.0K

Annual income

$1,611.19/yr

Blended yield

7.00%

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Analyst Conviction Gap

Where Wall Street is most bullish on USNZY right now

USNZY

Analyst Ratings

Buy

Consensus: Buy

Altman Z

1.7

Piotroski

5/9

XYLD

No analyst data

Analyst ratings via FMP. Altman Z-Score: >3.0 safe, 1.81–3.0 grey zone, <1.81 distress. Piotroski: 7–9 strong, 0–3 weak.

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Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

USNZY buys

XYLD buys

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

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

MetricUSNZYXYLD

Forward yield	4.10%	10.98% ✓
Annual dividend / share	$0.05	$4.30 ✓
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	-38.5%	0% ✓
Portfolio after 10y	$20.8K	$25.3K ✓
Annual income after 10y	$3.35	$3,219.02 ✓
Total dividends collected	$664.00 ✓	$19.6K
Payment frequency	quarterly	monthly
Sector	Stock	ETF

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

Year	USNZY Portfolio	USNZY Income/yr	XYLD Portfolio	XYLD Income/yr	Gap
1	$10,952	$252.05	$10,818	$1,098.39	+$134.00 → USNZY
2	$11,877	$158.66	$11,738	$1,222.51	+$139.00 → USNZY
3	$12,808	$98.90	$12,774	$1,364.64	+$34.00 → USNZY
4← crossover	$13,765	$61.30	$13,944	$1,527.86	$179.00 → XYLD
5	$14,767	$37.87	$15,270	$1,715.87	$503.00 → XYLD
6	$15,824	$23.35	$16,775	$1,933.09	$951.00 → XYLD
7	$16,946	$14.38	$18,490	$2,184.87	$1.5K → XYLD
8	$18,141	$8.85	$20,450	$2,477.63	$2.3K → XYLD
9	$19,416	$5.45	$22,697	$2,819.19	$3.3K → XYLD
10	$20,779	$3.35	$25,280	$3,219.02	$4.5K → XYLD

USNZY vs XYLD: Complete Analysis 2026

USNZY — Stock

Usinas Siderúrgicas de Minas Gerais S.A. manufactures and markets flat steel products in Brazil and internationally. The company operates through four segments: Mining and Logistics, Steel Metallurgy, Steel Transformation, and Capital Assets. It extracts and process iron ore, such as pellet and sinter feed and, granulated iron ore; develops steel product solutions; and operates as a distribution center and trading company. The company manufactures and installs equipment for various industries; and engages in the provision of services related to road cargo transportation. It also offers stamped steel parts for the automobile industry; and products for the construction and capital goods industry, as well as engages in logistics business and produces hot-rolled galvanized steel sheets and coils. In addition, the company provides technology transfer services for steel industry; project management and services for civil construction and capital goods industry; road transportation of flat steel; hot-dip galvanizing services; and texturing and chrome plating of cylinders. Usinas Siderúrgicas de Minas Gerais S.A. was founded in 1950 and is headquartered in Belo Horizonte, Brazil.

Full USNZY 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.