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VBCD vs XYLD: Dividend Comparison 2026

VBCD yields 2.66% · XYLD yields 11.20%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 XYLD wins by $2.2K in total portfolio value· pulled ahead in Year 7
10 years
VBCD
VBCD
● Live price
2.66%
Share price
$75.08
Annual div
$2.00
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$23.7K
Annual income
$316.34
Full VBCD 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 — VBCD vs XYLD

📍 XYLD pulled ahead of the other in Year 7

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 PeriodVBCDXYLD
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, VBCD + XYLD cover 0 of 12 monthsgood coverage

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

Tax Bracket Optimizer

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

VBCD
Annual income on $10K today (after 15% tax)
$226.43/yr
After 10yr DRIP, annual income (after tax)
$268.89/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 $2,579.49/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

VBCD: 50%XYLD: 50%
100% XYLD50/50100% VBCD
Portfolio after 10yr
$24.8K
Annual income
$1,833.68/yr
Blended yield
7.40%
🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

VBCD buys
0
XYLD buys
0
No recent congressional trades found for VBCD or XYLD in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricVBCDXYLD
Forward yield2.66%11.20%
Annual dividend / share$2.00$4.30
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR0%0%
Portfolio after 10y$23.7K$25.9K
Annual income after 10y$316.34$3,351.03
Total dividends collected$2.9K$20.2K
Payment frequencyquarterlymonthly
SectorStockETF

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

YearVBCD PortfolioVBCD Income/yrXYLD PortfolioXYLD Income/yrGap
1$10,966$266.39$10,840$1,120.44+$126.00VBCD
2$12,007$273.02$11,786$1,249.59+$221.00VBCD
3$13,127$279.37$12,854$1,397.78+$273.00VBCD
4$14,331$285.45$14,063$1,568.33+$268.00VBCD
5$15,626$291.25$15,434$1,765.19+$192.00VBCD
6$17,016$296.78$16,995$1,993.14+$21.00VBCD
7← crossover$18,509$302.05$18,777$2,257.95$268.00XYLD
8$20,112$307.06$20,818$2,566.58$706.00XYLD
9$21,832$311.82$23,163$2,927.50$1.3KXYLD
10$23,676$316.34$25,865$3,351.03$2.2KXYLD

VBCD vs XYLD: Complete Analysis 2026

VBCDStock

VBCD is part of the Vanguard Target Maturity Corporate Bond suite. The fund behaves more like a bond than a typical bond fund. The fund provides bullet maturity, in this case, December 15, 2030, instead of perpetual exposure to a maturity pocket of the US corporate investment-grade bond market. As the fund matures, its maturity, duration, and YTM will continue to decline. On its target date, VBCD will unwind and return all capital to investors. This structure allows VBCD to serve as a building block for a bond ladder. In all, the fund provides a viable means to access a diverse pool of US investment grade bonds while mimicking the life cycle of an individual bond.

Full VBCD 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 →
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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.