Is XHS or RYLD a better dividend investment in 2026?

XHS currently yields 0.29% with a 5% 5-year dividend growth rate. RYLD yields 4.00% with 5% growth. The better choice depends on your goal: RYLD offers higher current income.

What is the dividend yield difference between XHS and RYLD?

XHS has a forward dividend yield of 0.29% ($0.29/share annually). RYLD yields 4.00% ($2.00/share annually). The yield gap is 3.71 percentage points.

Home › Compare › XHS vs RYLD

XHS vs RYLD: Dividend Comparison 2026

XHS yields 0.29% · RYLD yields 4.00%● Live data

vsPost on X →

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

🏆 RYLD wins by $8.0K in total portfolio value

INVESTMENT

TIME HORIZON10 years

XHS

● Live price

0.29%

Share price

$99.72

Annual div

$0.29

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$20.1K

Annual income

$29.30

Full XHS 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 — XHS vs RYLD

📍 RYLD pulled ahead of the other in Year 1

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 Period	XHS	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%.

📅

Dividend Calendar Overlap

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

Jan

—

Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

XHS pays

RYLD pays

Both pay

Neither

💰

Tax Bracket Optimizer

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

XHS

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

$24.45/yr

After 10yr DRIP, annual income (after tax)

$24.91/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, RYLD beats the other by $739.41/year in after-tax income after 10 years on $10,000

⚖️

Lazy Portfolio Split Optimizer

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

XHS: 50%RYLD: 50%

100% RYLD50/50100% XHS

Portfolio after 10yr

$24.1K

Annual income

$464.25/yr

Blended yield

1.93%

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

XHS buys

RYLD buys

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

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

MetricXHSRYLD

Forward yield	0.29%	4.00% ✓
Annual dividend / share	$0.29	$2.00 ✓
Payout ratio	50%	50%
1-year div growth	0%	5% ✓
5-year div CAGR	0%	5% ✓
Portfolio after 10y	$20.1K	$28.0K ✓
Annual income after 10y	$29.30	$899.19 ✓
Total dividends collected	$291.00 ✓	$6.4K
Payment frequency	quarterly	quarterly
Sector	Stock	ETF

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

Year	XHS Portfolio	XHS Income/yr	RYLD Portfolio	RYLD Income/yr	Gap
1← crossover	$10,729	$28.76	$11,120	$420.00	$391.00 → RYLD
2	$11,509	$28.84	$12,357	$458.31	$848.00 → RYLD
3	$12,343	$28.91	$13,721	$499.76	$1.4K → RYLD
4	$13,236	$28.98	$15,227	$544.58	$2.0K → RYLD
5	$14,192	$29.04	$16,885	$593.02	$2.7K → RYLD
6	$15,214	$29.10	$18,713	$645.34	$3.5K → RYLD
7	$16,308	$29.16	$20,724	$701.81	$4.4K → RYLD
8	$17,479	$29.21	$22,938	$762.73	$5.5K → RYLD
9	$18,732	$29.26	$25,372	$828.41	$6.6K → RYLD
10	$20,072	$29.30	$28,047	$899.19	$8.0K → RYLD

XHS vs RYLD: Complete Analysis 2026

XHS — Stock

The State Street SPDR S&P Health Care Services ETF seeks to provide investment results that, before fees and expenses, correspond generally to the total return performance of S&P Health Care Services Select Industry Index (the "Index")Seeks to provide exposure to health care services segment of the S&P TMI, which comprises the following sub-industries: Health Care Distributors, Health Care Facilities, Health Care Services, and Managed Health CareSeeks to track a modified equal weighted index which provides the potential for unconcentrated industry exposure across large, mid and small cap stocksAllows investors to take strategic or tactical positions at a more targeted level than traditional sector based investing

Full XHS 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 →

📬

Get this XHS vs RYLD comparison by email

Save your analysis + weekly dividend insights. Free forever.

More comparisons

XHS vs SCHD XHS vs JEPI XHS vs O XHS vs KO XHS vs MAIN

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