Is USSJF or XYLD a better dividend investment in 2026?

USSJF currently yields 3.95% 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 USSJF and XYLD?

USSJF has a forward dividend yield of 3.95% ($0.32/share annually). XYLD yields 10.98% ($4.30/share annually). The yield gap is 7.03 percentage points.

Home › Compare › USSJF vs XYLD

USSJF vs XYLD: Dividend Comparison 2026

USSJF yields 3.95% · XYLD yields 10.98%● Live data

vsPost on X →

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

🏆 USSJF wins by $1.37M in total portfolio value

INVESTMENT

TIME HORIZON10 years

USSJF

● Live price

3.95%

Share price

$8.17

Annual div

$0.32

5Y div CAGR

59.5%

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$1.40M

Annual income

$950,682.69

Full USSJF 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 — USSJF vs XYLD

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

Jan

—

Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

USSJF pays

XYLD pays

Both pay

Neither

💰

Tax Bracket Optimizer

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

USSJF

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

$335.42/yr

After 10yr DRIP, annual income (after tax)

$808,080.29/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, USSJF beats the other by $805,344.12/year in after-tax income after 10 years on $10,000

⚖️

Lazy Portfolio Split Optimizer

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

USSJF: 50%XYLD: 50%

100% XYLD50/50100% USSJF

Portfolio after 10yr

$710.3K

Annual income

$476,950.86/yr

Blended yield

67.14%

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

USSJF buys

XYLD buys

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

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

MetricUSSJFXYLD

Forward yield	3.95%	10.98% ✓
Annual dividend / share	$0.32	$4.30 ✓
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	59.5% ✓	0%
Portfolio after 10y	$1.40M	$25.3K ✓
Annual income after 10y	$950,682.69 ✓	$3,219.02
Total dividends collected	$1.33M	$19.6K ✓
Payment frequency	quarterly	monthly
Sector	Stock	ETF

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

Year	USSJF Portfolio	USSJF Income/yr	XYLD Portfolio	XYLD Income/yr	Gap
1← crossover	$11,329	$629.41	$10,818	$1,098.39	+$511.00 → USSJF
2	$13,185	$1,062.96	$11,738	$1,222.51	+$1.4K → USSJF
3	$15,952	$1,844.09	$12,774	$1,364.64	+$3.2K → USSJF
4	$20,395	$3,325.78	$13,944	$1,527.86	+$6.5K → USSJF
5	$28,161	$6,338.17	$15,270	$1,715.87	+$12.9K → USSJF
6	$43,178	$13,045.56	$16,775	$1,933.09	+$26.4K → USSJF
7	$76,016	$29,816.28	$18,490	$2,184.87	+$57.5K → USSJF
8	$159,586	$78,248.99	$20,450	$2,477.63	+$139.1K → USSJF
9	$415,633	$244,875.25	$22,697	$2,819.19	+$392.9K → USSJF
10	$1,395,410	$950,682.69	$25,280	$3,219.02	+$1.37M → USSJF

USSJF vs XYLD: Complete Analysis 2026

USSJF — Stock

USS Co., Ltd., together with its subsidiaries, operates and manages used vehicle auction sites in Japan. It distributes used vehicles through the operation of on-site auctions at 19 locations, as well as through satellite TV and Internet auctions. The company also provides used car export services; recycles end-of-life automobiles and other items; and disposes equipment and industrial plants. In addition, it offers used vehicle purchasing services; and purchases and sells accident-damaged vehicles. The company was formerly known as Aichi Automobile General Services Co., Ltd. and changed its name to USS Co., Ltd. in March 1995. The company was incorporated in 1969 and is headquartered in Tokai, Japan.

Full USSJF 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 USSJF vs XYLD comparison by email

Save your analysis + weekly dividend insights. Free forever.

More comparisons

USSJF vs SCHD USSJF vs JEPI USSJF vs O USSJF vs KO USSJF vs MAIN USSJF vs QYLD USSJF vs JEPQ USSJF 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.