Is WPLCF or RYLD a better dividend investment in 2026?

WPLCF currently yields 16.95% with a 5% 5-year dividend growth rate. RYLD yields 4.00% with 5% growth. The better choice depends on your goal: WPLCF offers higher current income.

What is the dividend yield difference between WPLCF and RYLD?

WPLCF has a forward dividend yield of 16.95% ($2.00/share annually). RYLD yields 4.00% ($2.00/share annually). The yield gap is 12.95 percentage points.

Home › Compare › WPLCF vs RYLD

WPLCF vs RYLD: Dividend Comparison 2026

WPLCF yields 16.95% · RYLD yields 4.00%● Live data

vsPost on X →

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

🏆 WPLCF wins by $32.4K in total portfolio value

INVESTMENT

TIME HORIZON10 years

WPLCF

● Live price

16.95%

Share price

$11.80

Annual div

$2.00

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$60.4K

Annual income

$4,795.20

Full WPLCF calculator →

RYLD

● Live price

4.00%

Share price

$50.00

Annual div

$2.00

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$28.0K

Annual income

$899.19

Full RYLD calculator →

Portfolio growth — WPLCF vs RYLD

📍 WPLCF 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 Period	WPLCF	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%.

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Dividend Calendar Overlap

Combined, WPLCF + RYLD cover 0 of 12 months — good coverage

Jan

—

Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

WPLCF pays

RYLD pays

Both pay

Neither

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Tax Bracket Optimizer

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

WPLCF

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

$1,440.68/yr

After 10yr DRIP, annual income (after tax)

$4,075.92/yr

RYLD

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

$340.00/yr

After 10yr DRIP, annual income (after tax)

$764.31/yr

At 15% tax rate, WPLCF beats the other by $3,311.61/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 WPLCF + RYLD for your $10,000?

WPLCF: 50%RYLD: 50%

100% RYLD50/50100% WPLCF

Portfolio after 10yr

$44.2K

Annual income

$2,847.20/yr

Blended yield

6.43%

📊

Analyst Conviction Gap

Where Wall Street is most bullish on WPLCF right now

WPLCF

Analyst Ratings

Buy

Hold

Consensus: Buy

Price Target

$12.00

+1.7% upside vs current

Range: $12.00 — $12.00

Altman Z

0.8

Piotroski

6/9

RYLD

No analyst data

Analyst ratings via FMP. Altman Z-Score: >3.0 safe, 1.81–3.0 grey zone, <1.81 distress. Piotroski: 7–9 strong, 0–3 weak.

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Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

WPLCF buys

RYLD buys

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

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

MetricWPLCFRYLD

Forward yield	16.95% ✓	4.00%
Annual dividend / share	$2.00	$2.00
Payout ratio	50%	50%
1-year div growth	0%	5% ✓
5-year div CAGR	0%	5% ✓
Portfolio after 10y	$60.4K ✓	$28.0K
Annual income after 10y	$4,795.20 ✓	$899.19
Total dividends collected	$31.4K ✓	$6.4K
Payment frequency	quarterly	quarterly
Sector	Stock	ETF

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

Year	WPLCF Portfolio	WPLCF Income/yr	RYLD Portfolio	RYLD Income/yr	Gap
1← crossover	$12,395	$1,694.92	$11,120	$420.00	+$1.3K → WPLCF
2	$15,226	$1,963.40	$12,357	$458.31	+$2.9K → WPLCF
3	$18,546	$2,254.06	$13,721	$499.76	+$4.8K → WPLCF
4	$22,410	$2,565.92	$15,227	$544.58	+$7.2K → WPLCF
5	$26,876	$2,897.70	$16,885	$593.02	+$10.0K → WPLCF
6	$32,006	$3,247.88	$18,713	$645.34	+$13.3K → WPLCF
7	$37,861	$3,614.69	$20,724	$701.81	+$17.1K → WPLCF
8	$44,507	$3,996.22	$22,938	$762.73	+$21.6K → WPLCF
9	$52,013	$4,390.43	$25,372	$828.41	+$26.6K → WPLCF
10	$60,449	$4,795.20	$28,047	$899.19	+$32.4K → WPLCF

WPLCF vs RYLD: Complete Analysis 2026

WPLCF — Stock

Wise plc provides cross-border money transfer services for personal and business customers in the United Kingdom, rest of Europe, the Asia-Pacific, North America, and internationally. The company's transfer infrastructure includes Wise Account for international people who need to move and manage money across borders; Wise Business for international businesses need; and Wise Platform that allows businesses and banks to offer their own customers international payments. It also offers online currency exchange services, as well as engages in the investment activities. The company was formerly known as 456 Newco plc and changed its name to Wise plc in June 2021. Wise plc was founded in 2010 and is based in London, the United Kingdom.

Full WPLCF Calculator →

RYLD — ETF

RYLD is a dividend-paying stock. Use this calculator to estimate your future dividend income, DRIP compounding returns, and passive income potential from investing in RYLD shares.

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.