Is VSPY or RYLD a better dividend investment in 2026?

VSPY currently yields 21.53% with a 5% 5-year dividend growth rate. RYLD yields 12.14% with 5% growth. The better choice depends on your goal: VSPY offers higher current income.

What is the dividend yield difference between VSPY and RYLD?

VSPY has a forward dividend yield of 21.53% ($2.00/share annually). RYLD yields 12.14% ($1.81/share annually). The yield gap is 9.39 percentage points.

Home › Compare › VSPY vs RYLD

VSPY vs RYLD: Dividend Comparison 2026

VSPY yields 21.53% · RYLD yields 12.14%● Live data

vsPost on X →

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

🏆 VSPY wins by $35.6K in total portfolio value

INVESTMENT

TIME HORIZON10 years

VSPY

● Live price

21.53%

Share price

$9.29

Annual div

$2.00

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$80.2K

Annual income

$7,907.64

Full VSPY 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 — VSPY vs RYLD

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

Jan

—

Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

VSPY pays

RYLD pays

Both pay

Neither

💰

Tax Bracket Optimizer

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

VSPY

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

$1,829.92/yr

After 10yr DRIP, annual income (after tax)

$6,721.49/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, VSPY beats the other by $4,522.25/year in after-tax income after 10 years on $10,000

⚖️

Lazy Portfolio Split Optimizer

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

VSPY: 50%RYLD: 50%

100% RYLD50/50100% VSPY

Portfolio after 10yr

$62.3K

Annual income

$5,247.49/yr

Blended yield

8.42%

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

VSPY buys

RYLD buys

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

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

MetricVSPYRYLD

Forward yield	21.53% ✓	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	$80.2K ✓	$44.5K
Annual income after 10y	$7,907.64 ✓	$2,587.35
Total dividends collected	$47.3K ✓	$18.8K
Payment frequency	quarterly	quarterly
Sector	Stock	ETF

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

Year	VSPY Portfolio	VSPY Income/yr	RYLD Portfolio	RYLD Income/yr	Gap
1← crossover	$12,853	$2,152.85	$11,914	$1,213.65	+$939.00 → VSPY
2	$16,339	$2,586.01	$14,099	$1,351.30	+$2.2K → VSPY
3	$20,555	$3,072.28	$16,580	$1,494.55	+$4.0K → VSPY
4	$25,606	$3,612.19	$19,384	$1,642.61	+$6.2K → VSPY
5	$31,603	$4,205.46	$22,535	$1,794.70	+$9.1K → VSPY
6	$38,667	$4,850.98	$26,063	$1,950.00	+$12.6K → VSPY
7	$46,920	$5,546.87	$29,995	$2,107.69	+$16.9K → VSPY
8	$56,495	$6,290.53	$34,361	$2,266.99	+$22.1K → VSPY
9	$67,528	$7,078.72	$39,194	$2,427.12	+$28.3K → VSPY
10	$80,163	$7,907.64	$44,525	$2,587.35	+$35.6K → VSPY

VSPY vs RYLD: Complete Analysis 2026

VSPY — Stock

The fund is an actively managed ETF that seeks to achieve its investment objective by utilizing a blended strategy that combines a fixed income allocation of approximately 90% with an options overlay of approximately 10% of the market value of the fund’s assets. The fixed income allocation is invested primarily in high quality debt instruments, including but not limited to corporate bonds, treasuries, and municipal bonds and/or ETFs that hold these high quality debt investments.

Full VSPY 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 VSPY vs RYLD comparison by email

Save your analysis + weekly dividend insights. Free forever.

More comparisons

VSPY vs SCHD VSPY vs JEPI VSPY vs O VSPY vs KO VSPY 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.