HomeCompareVTIP vs RYLD

VTIP vs RYLD: Dividend Comparison 2026

VTIP yields 3.77% · RYLD yields 12.14%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 RYLD wins by $19.0K in total portfolio value
10 years
VTIP
VTIP
● Live price
3.77%
Share price
$49.95
Annual div
$1.88
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$25.5K
Annual income
$480.27
Full VTIP calculator →
RYLD
RYLD
● Live price
12.14%
Share price
$14.95
Annual div
$1.81
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$44.5K
Annual income
$2,587.35
Full RYLD calculator →

Portfolio growth — VTIP vs RYLD

📍 RYLD pulled ahead of the other in Year 1

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 PeriodVTIPRYLD
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, VTIP + RYLD cover 0 of 12 monthsgood coverage

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

Tax Bracket Optimizer

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

VTIP
Annual income on $10K today (after 15% tax)
$320.41/yr
After 10yr DRIP, annual income (after tax)
$408.23/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, RYLD beats the other by $1,791.02/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

VTIP: 50%RYLD: 50%
100% RYLD50/50100% VTIP
Portfolio after 10yr
$35.0K
Annual income
$1,533.80/yr
Blended yield
4.38%
🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

VTIP buys
0
RYLD buys
0
No recent congressional trades found for VTIP or RYLD in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricVTIPRYLD
Forward yield3.77%12.14%
Annual dividend / share$1.88$1.81
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR0%0%
Portfolio after 10y$25.5K$44.5K
Annual income after 10y$480.27$2,587.35
Total dividends collected$4.3K$18.8K
Payment frequencyquarterlyquarterly
SectorStockETF

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

YearVTIP PortfolioVTIP Income/yrRYLD PortfolioRYLD Income/yrGap
1← crossover$11,077$376.96$11,914$1,213.65$837.00RYLD
2$12,243$390.24$14,099$1,351.30$1.9KRYLD
3$13,503$403.09$16,580$1,494.55$3.1KRYLD
4$14,863$415.49$19,384$1,642.61$4.5KRYLD
5$16,331$427.44$22,535$1,794.70$6.2KRYLD
6$17,913$438.93$26,063$1,950.00$8.2KRYLD
7$19,617$449.95$29,995$2,107.69$10.4KRYLD
8$21,451$460.51$34,361$2,266.99$12.9KRYLD
9$23,423$470.62$39,194$2,427.12$15.8KRYLD
10$25,543$480.27$44,525$2,587.35$19.0KRYLD

VTIP vs RYLD: Complete Analysis 2026

VTIPStock

Seeks to track an index that measures the performance of inflation-protected public obligations of the U.S. Treasury that have a remaining maturity of less than five years. Designed to generate returns more closely correlated with realized inflation over the near term, and to offer investors the potential for less volatility of returns relative to a longer-duration TIPS fund. Given its shorter duration, the fund can be expected to have less real interest rate risk, but also lower total returns relative to a longer-duration TIPS fund. Invests in bonds backed by the full faith and credit of the federal government and whose principal is adjusted semiannually based on inflation. Can provide protection from inflationary surprises or ”unexpected inflation.”

Full VTIP Calculator →

RYLDETF

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 →
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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.