Is XIN or RYLD a better dividend investment in 2026?

XIN currently yields 102.56% with a 5% 5-year dividend growth rate. RYLD yields 12.14% with 5% growth. The better choice depends on your goal: XIN offers higher current income.

What is the dividend yield difference between XIN and RYLD?

XIN has a forward dividend yield of 102.56% ($2.00/share annually). RYLD yields 12.14% ($1.81/share annually). The yield gap is 90.42 percentage points.

Home › Compare › XIN vs RYLD

XIN vs RYLD: Dividend Comparison 2026

XIN yields 102.56% · RYLD yields 12.14%● Live data

vsPost on X →

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

🏆 RYLD wins by $1.5K in total portfolio value· pulled ahead in Year 10

INVESTMENT

TIME HORIZON10 years

XIN

● Live price

102.56%

Share price

$1.95

Annual div

$2.00

5Y div CAGR

-50%

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$43.0K

Annual income

$21.91

Full XIN calculator →

RYLD

● Live price

12.14%

Share price

$14.95

Annual div

$1.81

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$44.5K

Annual income

$2,587.35

Full RYLD calculator →

Portfolio growth — XIN vs RYLD

📍 RYLD pulled ahead of the other in Year 10

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	XIN	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, XIN + RYLD cover 0 of 12 months — good coverage

Jan

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Feb

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Mar

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Apr

—

May

—

Jun

—

Jul

—

Aug

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Sep

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Oct

—

Nov

—

Dec

—

XIN 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.

XIN

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

$8,717.95/yr

After 10yr DRIP, annual income (after tax)

$18.62/yr

RYLD

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

$1,031.60/yr

After 10yr DRIP, annual income (after tax)

$2,199.25/yr

At 15% tax rate, RYLD beats the other by $2,180.62/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 XIN + RYLD for your $10,000?

XIN: 50%RYLD: 50%

100% RYLD50/50100% XIN

Portfolio after 10yr

$43.8K

Annual income

$1,304.62/yr

Blended yield

2.98%

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

XIN buys

RYLD buys

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

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

MetricXINRYLD

Forward yield	102.56% ✓	12.14%
Annual dividend / share	$2.00 ✓	$1.81
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	-50%	0% ✓
Portfolio after 10y	$43.0K	$44.5K ✓
Annual income after 10y	$21.91	$2,587.35 ✓
Total dividends collected	$13.9K	$18.8K ✓
Payment frequency	quarterly	quarterly
Sector	Stock	ETF

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

Year	XIN Portfolio	XIN Income/yr	RYLD Portfolio	RYLD Income/yr	Gap
1	$15,828	$5,128.21	$11,914	$1,213.65	+$3.9K → XIN
2	$20,729	$3,793.00	$14,099	$1,351.30	+$6.6K → XIN
3	$24,501	$2,321.24	$16,580	$1,494.55	+$7.9K → XIN
4	$27,499	$1,282.08	$19,384	$1,642.61	+$8.1K → XIN
5	$30,096	$672.39	$22,535	$1,794.70	+$7.6K → XIN
6	$32,547	$343.88	$26,063	$1,950.00	+$6.5K → XIN
7	$34,999	$173.78	$29,995	$2,107.69	+$5.0K → XIN
8	$37,536	$87.32	$34,361	$2,266.99	+$3.2K → XIN
9	$40,207	$43.76	$39,194	$2,427.12	+$1.0K → XIN
10← crossover	$43,043	$21.91	$44,525	$2,587.35	$1.5K → RYLD

XIN vs RYLD: Complete Analysis 2026

XIN — Stock

Xinyuan Real Estate Co., Ltd., together with its subsidiaries, engages in residential real estate development and construction in the People's Republic of China, the United States, and internationally. It develops residential projects, such as multi-layer apartment buildings, sub-high-rise apartment buildings, high-rise apartment buildings; and auxiliary services and amenities, such as retail outlets, leisure and health facilities, kindergartens, and schools, as well as office, mixed-use, and commercial properties. The company also acquires development sites through public auctions of government land and acquisitions of entities. In addition, it provides property management services for its developments and other real estate-related services; landscaping, engineering and management, real estate consulting, leasing management, management consulting, and technical services; operates retail stores; and installs intercom systems. Further, it engages in the purchase, sale, lease, and brokerage of real estate; sale of construction materials; development and sale of robots; operation of internet platform for real estate property financing; and provision of electronic commerce and catering services. Xinyuan Real Estate Co., Ltd. was founded in 1997 and is based in Beijing, the People's Republic of China.

Full XIN Calculator →

RYLD — ETF

The Global X Russell 2000 Covered Call ETF (RYLD) seeks to provide investment results that correspond generally to the price and yield performance, before fees and expenses, of the Cboe Russell 2000 BuyWrite Index.

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.