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VYM vs XYLD: Dividend Comparison 2026

VYM yields 2.91% · XYLD yields 9.02% · See full DRIP projection below

vsEnter any two US tickers
After 10 years · $10,000 invested · DRIP enabled
🏆 VYM wins by $10.1K in total portfolio value
10 years
VYM
Vanguard High Dividend Yield ETF
2.91%
Share price
$118.40
Annual div
$3.44
5Y div CAGR
7.8%
Payout ratio
45%
After 10 yrs · $10,000 · DRIP
Portfolio value
$31.3K
Annual income
$785.17
Full VYM calculator →
XYLD
Global X S&P 500 Covered Call ETF
9.02%
Share price
$38.60
Annual div
$3.48
5Y div CAGR
0.5%
Payout ratio
90%
After 10 yrs · $10,000 · DRIP
Portfolio value
$21.1K
Annual income
$2,363.75
Full XYLD calculator →

Portfolio growth — VYM vs XYLD

Annual dividend income

MetricVYMXYLD
Forward yield2.91%9.02%
Annual dividend / share$3.44$3.48
Payout ratio45%90%
1-year div growth6.2%-2.1%
5-year div CAGR7.8%0.5%
Portfolio after 10y$31.3K$21.1K
Annual income after 10y$785.17$2,363.75
Total dividends collected$5.2K$15.0K
Payment frequencyquarterlymonthly
SectorETFETF

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

YearVYM PortfolioVYM Income/yrXYLD PortfolioXYLD Income/yrGap
1$11,223$313.20$10,626$906.06+$597.00VYM
2$12,592$347.33$11,324$995.47+$1.3KVYM
3$14,123$385.04$12,104$1,096.88+$2.0KVYM
4$15,835$426.70$12,977$1,212.21+$2.9KVYM
5$17,748$472.73$13,958$1,343.80+$3.8KVYM
6$19,887$523.54$15,061$1,494.40+$4.8KVYM
7$22,276$579.64$16,307$1,667.30+$6.0KVYM
8$24,945$641.54$17,717$1,866.48+$7.2KVYM
9$27,925$709.84$19,317$2,096.71+$8.6KVYM
10$31,251$785.17$21,140$2,363.75+$10.1KVYM

VYM vs XYLD: Complete Analysis 2026

VYMETF

VYM tracks the FTSE High Dividend Yield Index, holding ~450 large-cap US companies with above-average dividend yields. With an ultra-low 0.06% expense ratio, it's one of the cheapest dividend ETFs available. Excellent core holding for long-term dividend growth investors seeking broad diversification and reliable income.

Full VYM Calculator →

XYLDETF

XYLD sells covered calls on the S&P 500, converting equity volatility into monthly income. Yields 8-10% depending on market conditions. Similar to QYLD but with S&P 500 exposure — less volatile but comparable income mechanics. Popular for retirement income portfolios alongside other dividend ETFs.

Full XYLD Calculator →

Frequently Asked Questions

Is VYM or XYLD better for dividend income in 2026?
VYM currently offers a 2.91% yield (3.44/share/year) while XYLD offers 9.02% (3.48/share/year). XYLD provides higher current income. However, VYM has grown its dividend faster (7.8% 5Y CAGR), which may lead to better long-term income through compounding.
How much would $10,000 in VYM vs XYLD earn per year?
With $10,000 invested today: VYM pays approximately $291/year. XYLD pays approximately $902/year. With DRIP reinvestment over 10 years, these grow to $785/year (VYM) and $2,364/year (XYLD).
Does VYM or XYLD pay monthly dividends?
VYM pays quarterly dividends. XYLD pays monthly dividends. XYLD pays monthly, which is preferred by investors who need regular cash flow.
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⚠️ Educational purposes only. Not financial advice. All projections use historical data; actual results will vary.