HomeCompareVTTSX vs XYLD

VTTSX vs XYLD: Dividend Comparison 2026

VTTSX yields 2.09% · XYLD yields 10.98%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 XYLD wins by $2.5K in total portfolio value· pulled ahead in Year 5
10 years
VTTSX
VTTSX
● Live price
2.09%
Share price
$60.10
Annual div
$1.25
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$22.8K
Annual income
$238.68
Full VTTSX 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
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$25.3K
Annual income
$3,219.02
Full XYLD calculator →

Portfolio growth — VTTSX vs XYLD

📍 XYLD pulled ahead of the other in Year 5

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 PeriodVTTSXXYLD
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, VTTSX + XYLD cover 0 of 12 monthsgood coverage

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

Tax Bracket Optimizer

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

VTTSX
Annual income on $10K today (after 15% tax)
$177.28/yr
After 10yr DRIP, annual income (after tax)
$202.88/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, XYLD beats the other by $2,533.29/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

VTTSX: 50%XYLD: 50%
100% XYLD50/50100% VTTSX
Portfolio after 10yr
$24.0K
Annual income
$1,728.85/yr
Blended yield
7.20%
🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

VTTSX buys
0
XYLD buys
0
No recent congressional trades found for VTTSX or XYLD in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricVTTSXXYLD
Forward yield2.09%10.98%
Annual dividend / share$1.25$4.30
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR0%0%
Portfolio after 10y$22.8K$25.3K
Annual income after 10y$238.68$3,219.02
Total dividends collected$2.2K$19.6K
Payment frequencyquarterlymonthly
SectorStockETF

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

YearVTTSX PortfolioVTTSX Income/yrXYLD PortfolioXYLD Income/yrGap
1$10,909$208.57$10,818$1,098.39+$91.00VTTSX
2$11,885$212.63$11,738$1,222.51+$147.00VTTSX
3$12,933$216.51$12,774$1,364.64+$159.00VTTSX
4$14,059$220.19$13,944$1,527.86+$115.00VTTSX
5← crossover$15,267$223.70$15,270$1,715.87$3.00XYLD
6$16,562$227.02$16,775$1,933.09$213.00XYLD
7$17,952$230.18$18,490$2,184.87$538.00XYLD
8$19,442$233.17$20,450$2,477.63$1.0KXYLD
9$21,039$236.00$22,697$2,819.19$1.7KXYLD
10$22,750$238.68$25,280$3,219.02$2.5KXYLD

VTTSX vs XYLD: Complete Analysis 2026

VTTSXStock

Vanguard Target Retirement Funds offer a diversified portfolio within a single fund that adjusts its underlying asset mix over time. The funds provide broad diversification while incrementally decreasing exposure to stocks and increasing exposure to bonds as each fund’s target retirement date approaches. The funds continue to adjust for approximately seven years after that date until their allocations match that of the Target Retirement Income Fund. Investors in the funds should be able to tolerate the risks that come from the volatility of the stock and bond markets. You may wish to consider this fund if you’re planning to retire between 2058 and 2062.

Full VTTSX 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 →
📬

Get this VTTSX vs XYLD comparison by email

Save your analysis + weekly dividend insights. Free forever.

More comparisons

VTTSX vs SCHDVTTSX vs JEPIVTTSX vs OVTTSX vs KOVTTSX vs MAINVTTSX vs QYLDVTTSX vs JEPQVTTSX vs RYLD

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