Is VFIN or RYLD a better dividend investment in 2026?

VFIN currently yields 54.83% with a 5% 5-year dividend growth rate. RYLD yields 12.14% with 5% growth. The better choice depends on your goal: VFIN offers higher current income.

What is the dividend yield difference between VFIN and RYLD?

VFIN has a forward dividend yield of 54.83% ($2.00/share annually). RYLD yields 12.14% ($1.81/share annually). The yield gap is 42.69 percentage points.

Home › Compare › VFIN vs RYLD

VFIN vs RYLD: Dividend Comparison 2026

VFIN yields 54.83% · RYLD yields 12.14%● Live data

vsPost on X →

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

🏆 VFIN wins by $459.5K in total portfolio value

INVESTMENT

TIME HORIZON10 years

VFIN

● Live price

54.83%

Share price

$3.65

Annual div

$2.00

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$504.0K

Annual income

$109,855.72

Full VFIN calculator →

RYLD

● Live price

12.14%

Share price

$14.95

Annual div

$1.81

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$44.5K

Annual income

$2,587.35

Full RYLD calculator →

Portfolio growth — VFIN vs RYLD

📍 VFIN 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	VFIN	RYLD
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, VFIN + RYLD cover 0 of 12 months — good coverage

Jan

—

Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

VFIN pays

RYLD pays

Both pay

Neither

💰

Tax Bracket Optimizer

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

VFIN

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

$4,660.60/yr

After 10yr DRIP, annual income (after tax)

$93,377.36/yr

RYLD

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

$1,031.60/yr

After 10yr DRIP, annual income (after tax)

$2,199.25/yr

At 15% tax rate, VFIN beats the other by $91,178.11/year in after-tax income after 10 years on $10,000

⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of VFIN + RYLD for your $10,000?

VFIN: 50%RYLD: 50%

100% RYLD50/50100% VFIN

Portfolio after 10yr

$274.3K

Annual income

$56,221.53/yr

Blended yield

20.50%

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

VFIN buys

RYLD buys

No recent congressional trades found for VFIN or RYLD in the last 90 days.

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

MetricVFINRYLD

Forward yield	54.83% ✓	12.14%
Annual dividend / share	$2.00 ✓	$1.81
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	0%	0%
Portfolio after 10y	$504.0K ✓	$44.5K
Annual income after 10y	$109,855.72 ✓	$2,587.35
Total dividends collected	$410.4K ✓	$18.8K
Payment frequency	quarterly	quarterly
Sector	Stock	ETF

Year-by-year: VFIN vs RYLD ($10,000, DRIP)

Year	VFIN Portfolio	VFIN Income/yr	RYLD Portfolio	RYLD Income/yr	Gap
1← crossover	$16,183	$5,483.06	$11,914	$1,213.65	+$4.3K → VFIN
2	$25,609	$8,292.77	$14,099	$1,351.30	+$11.5K → VFIN
3	$39,666	$12,264.27	$16,580	$1,494.55	+$23.1K → VFIN
4	$60,196	$17,753.52	$19,384	$1,642.61	+$40.8K → VFIN
5	$89,589	$25,179.82	$22,535	$1,794.70	+$67.1K → VFIN
6	$130,884	$35,023.48	$26,063	$1,950.00	+$104.8K → VFIN
7	$187,865	$47,819.63	$29,995	$2,107.69	+$157.9K → VFIN
8	$265,164	$64,147.99	$34,361	$2,266.99	+$230.8K → VFIN
9	$368,344	$84,618.83	$39,194	$2,427.12	+$329.1K → VFIN
10	$503,984	$109,855.72	$44,525	$2,587.35	+$459.5K → VFIN

VFIN vs RYLD: Complete Analysis 2026

VFIN — Stock

The adviser and sub-adviser seek to achieve the fund's investment objective by investing in U.S. and foreign equity securities and equity securities of companies engaging in activities that are consistent with the fund's investment theme of financial technology disruption. Under normal circumstances, the fund will invest at least 80% of its net assets (plus any borrowings for investment purposes) in domestic and foreign securities of companies that are engaged in the fund’s investment theme. It is non-diversified.

Full VFIN Calculator →

RYLD — ETF

The Global X Russell 2000 Covered Call ETF (RYLD) seeks to provide investment results that correspond generally to the price and yield performance, before fees and expenses, of the Cboe Russell 2000 BuyWrite Index.

Full RYLD Calculator →

📬

Get this VFIN vs RYLD comparison by email

Save your analysis + weekly dividend insights. Free forever.

More comparisons

VFIN vs SCHD VFIN vs JEPI VFIN vs O VFIN vs KO VFIN vs MAIN

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