Is XAUMF or QYLD a better dividend investment in 2026?

XAUMF currently yields 17.02% with a 5% 5-year dividend growth rate. QYLD yields 11.92% with -2.1% growth. The better choice depends on your goal: XAUMF offers higher current income.

What is the dividend yield difference between XAUMF and QYLD?

XAUMF has a forward dividend yield of 17.02% ($2.00/share annually). QYLD yields 11.92% ($2.04/share annually). The yield gap is 5.10 percentage points.

Home › Compare › XAUMF vs QYLD

XAUMF vs QYLD: Dividend Comparison 2026

XAUMF yields 17.02% · QYLD yields 11.92%● Live data

vsPost on X →

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

🏆 QYLD wins by $2.6K in total portfolio value· pulled ahead in Year 9

INVESTMENT

TIME HORIZON10 years

XAUMF

● Live price

17.02%

Share price

$11.75

Annual div

$2.00

5Y div CAGR

-50%

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$22.7K

Annual income

$1.92

Full XAUMF calculator →

QYLD

Global X Nasdaq 100 Covered Call ETF

● Live price

11.92%

Share price

$17.15

Annual div

$2.04

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$25.4K

Annual income

$5,659.31

Full QYLD calculator →

Portfolio growth — XAUMF vs QYLD

📍 QYLD pulled ahead of the other in Year 9

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	XAUMF	QYLD
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, XAUMF + QYLD cover 0 of 12 months — good coverage

Jan

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Feb

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Mar

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Apr

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May

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Jun

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Jul

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Aug

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Sep

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Oct

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Nov

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Dec

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XAUMF pays

QYLD pays

Both pay

Neither

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Tax Bracket Optimizer

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

XAUMF

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

$1,446.81/yr

After 10yr DRIP, annual income (after tax)

$1.63/yr

QYLD

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

$1,013.51/yr

After 10yr DRIP, annual income (after tax)

$4,810.41/yr

At 15% tax rate, QYLD beats the other by $4,808.78/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 XAUMF + QYLD for your $10,000?

XAUMF: 50%QYLD: 50%

100% QYLD50/50100% XAUMF

Portfolio after 10yr

$24.1K

Annual income

$2,830.62/yr

Blended yield

11.76%

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Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

XAUMF buys

QYLD buys

No recent congressional trades found for XAUMF or QYLD in the last 90 days.

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

MetricXAUMFQYLD

Forward yield	17.02% ✓	11.92%
Annual dividend / share	$2.00	$2.04 ✓
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	-50%	0% ✓
Portfolio after 10y	$22.7K	$25.4K ✓
Annual income after 10y	$1.92	$5,659.31 ✓
Total dividends collected	$1.8K	$27.1K ✓
Payment frequency	quarterly	monthly
Sector	Stock	ETF

Year-by-year: XAUMF vs QYLD ($10,000, DRIP)

Year	XAUMF Portfolio	XAUMF Income/yr	QYLD Portfolio	QYLD Income/yr	Gap
1	$11,551	$851.06	$10,352	$1,192.36	+$1.2K → XAUMF
2	$12,819	$459.38	$10,830	$1,347.57	+$2.0K → XAUMF
3	$13,955	$238.23	$11,460	$1,539.07	+$2.5K → XAUMF
4	$15,053	$121.18	$12,275	$1,777.84	+$2.8K → XAUMF
5	$16,167	$61.08	$13,323	$2,078.95	+$2.8K → XAUMF
6	$17,330	$30.66	$14,667	$2,463.34	+$2.7K → XAUMF
7	$18,558	$15.36	$16,396	$2,960.57	+$2.2K → XAUMF
8	$19,865	$7.68	$18,631	$3,612.97	+$1.2K → XAUMF
9← crossover	$21,259	$3.84	$21,548	$4,482.15	$289.00 → QYLD
10	$22,749	$1.92	$25,398	$5,659.31	$2.6K → QYLD

XAUMF vs QYLD: Complete Analysis 2026

XAUMF — Stock

Goldmoney Inc. operates as a precious metal financial service and technology company worldwide. It is involved in the custody and storage of physical precious metals through Goldmoney.com online platform; and coin retailing and lending. The company also acts as dealer in the purchase and sale of physical precious metals in the form of bars, coins, and wafers through SchiffGold.com. In addition, it designs, manufactures, and sells gold and platinum jewelry through Mene.com. The company was formerly known as BitGold Inc. and changed its name to Goldmoney Inc. in July 2015. Goldmoney Inc. was founded in 2001 and is headquartered in Toronto, Canada.

Full XAUMF Calculator →

QYLD — ETF

The Global X Nasdaq 100 Covered Call ETF (QYLD) seeks to provide investment results that correspond generally to the price and yield performance, before fees and expenses, of the Cboe Nasdaq-100 BuyWrite V2 Index.

Full QYLD 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.