Is VHIAX or XYLD a better dividend investment in 2026?

VHIAX currently yields 13.90% with a 5% 5-year dividend growth rate. XYLD yields 10.98% with 0.5% growth. The better choice depends on your goal: VHIAX offers higher current income.

What is the dividend yield difference between VHIAX and XYLD?

VHIAX has a forward dividend yield of 13.90% ($4.92/share annually). XYLD yields 10.98% ($4.30/share annually). The yield gap is 2.92 percentage points.

Home › Compare › VHIAX vs XYLD

VHIAX vs XYLD: Dividend Comparison 2026

VHIAX yields 13.90% · XYLD yields 10.98%● Live data

vsPost on X →

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

🏆 VHIAX wins by $24.6K in total portfolio value

INVESTMENT

TIME HORIZON10 years

VHIAX

● Live price

13.90%

Share price

$35.43

Annual div

$4.92

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$49.9K

Annual income

$3,290.26

Full VHIAX 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 — VHIAX vs XYLD

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

Jan

—

Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

VHIAX pays

XYLD pays

Both pay

Neither

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Tax Bracket Optimizer

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

VHIAX

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

$1,181.44/yr

After 10yr DRIP, annual income (after tax)

$2,796.72/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, VHIAX beats the other by $60.55/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 VHIAX + XYLD for your $10,000?

VHIAX: 50%XYLD: 50%

100% XYLD50/50100% VHIAX

Portfolio after 10yr

$37.6K

Annual income

$3,254.64/yr

Blended yield

8.66%

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

VHIAX buys

XYLD buys

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

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

MetricVHIAXXYLD

Forward yield	13.90% ✓	10.98%
Annual dividend / share	$4.92 ✓	$4.30
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	0%	0%
Portfolio after 10y	$49.9K ✓	$25.3K
Annual income after 10y	$3,290.26 ✓	$3,219.02
Total dividends collected	$23.0K ✓	$19.6K
Payment frequency	quarterly	monthly
Sector	Stock	ETF

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

Year	VHIAX Portfolio	VHIAX Income/yr	XYLD Portfolio	XYLD Income/yr	Gap
1← crossover	$12,090	$1,389.93	$10,818	$1,098.39	+$1.3K → VHIAX
2	$14,507	$1,570.48	$11,738	$1,222.51	+$2.8K → VHIAX
3	$17,283	$1,761.14	$12,774	$1,364.64	+$4.5K → VHIAX
4	$20,454	$1,960.95	$13,944	$1,527.86	+$6.5K → VHIAX
5	$24,055	$2,168.89	$15,270	$1,715.87	+$8.8K → VHIAX
6	$28,122	$2,383.82	$16,775	$1,933.09	+$11.3K → VHIAX
7	$32,696	$2,604.61	$18,490	$2,184.87	+$14.2K → VHIAX
8	$37,814	$2,830.05	$20,450	$2,477.63	+$17.4K → VHIAX
9	$43,520	$3,058.99	$22,697	$2,819.19	+$20.8K → VHIAX
10	$49,857	$3,290.26	$25,280	$3,219.02	+$24.6K → VHIAX

VHIAX vs XYLD: Complete Analysis 2026

VHIAX — Stock

The investment seeks long-term capital growth. The fund will invest primarily in common stocks of companies across all market capitalizations. It may at any given time invest a significant portion of its assets in companies of one particular market capitalization category, such as large capitalization companies. The fund invests in companies that the adviser believes have strong earnings growth potential.

Full VHIAX 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.