Is XROLF or RYLD a better dividend investment in 2026?

XROLF currently yields 3.88% with a 5% 5-year dividend growth rate. RYLD yields 12.14% with 5% growth. The better choice depends on your goal: RYLD offers higher current income.

What is the dividend yield difference between XROLF and RYLD?

XROLF has a forward dividend yield of 3.88% ($2.00/share annually). RYLD yields 12.14% ($1.81/share annually). The yield gap is 8.26 percentage points.

Home › Compare › XROLF vs RYLD

XROLF vs RYLD: Dividend Comparison 2026

XROLF yields 3.88% · RYLD yields 12.14%● Live data

vsPost on X →

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

🏆 RYLD wins by $18.8K in total portfolio value

INVESTMENT

TIME HORIZON10 years

XROLF

● Live price

3.88%

Share price

$51.55

Annual div

$2.00

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$25.7K

Annual income

$497.76

Full XROLF 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 — XROLF vs RYLD

📍 RYLD 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	XROLF	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, XROLF + 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

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Dec

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XROLF 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.

XROLF

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

$329.78/yr

After 10yr DRIP, annual income (after tax)

$423.10/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 $1,776.15/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 XROLF + RYLD for your $10,000?

XROLF: 50%RYLD: 50%

100% RYLD50/50100% XROLF

Portfolio after 10yr

$35.1K

Annual income

$1,542.55/yr

Blended yield

4.39%

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

XROLF buys

RYLD buys

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

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

MetricXROLFRYLD

Forward yield	3.88%	12.14% ✓
Annual dividend / share	$2.00 ✓	$1.81
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	0%	0%
Portfolio after 10y	$25.7K	$44.5K ✓
Annual income after 10y	$497.76	$2,587.35 ✓
Total dividends collected	$4.5K	$18.8K ✓
Payment frequency	quarterly	quarterly
Sector	Stock	ETF

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

Year	XROLF Portfolio	XROLF Income/yr	RYLD Portfolio	RYLD Income/yr	Gap
1← crossover	$11,088	$387.97	$11,914	$1,213.65	$826.00 → RYLD
2	$12,266	$402.04	$14,099	$1,351.30	$1.8K → RYLD
3	$13,540	$415.66	$16,580	$1,494.55	$3.0K → RYLD
4	$14,917	$428.83	$19,384	$1,642.61	$4.5K → RYLD
5	$16,403	$441.52	$22,535	$1,794.70	$6.1K → RYLD
6	$18,005	$453.73	$26,063	$1,950.00	$8.1K → RYLD
7	$19,731	$465.46	$29,995	$2,107.69	$10.3K → RYLD
8	$21,588	$476.71	$34,361	$2,266.99	$12.8K → RYLD
9	$23,587	$487.47	$39,194	$2,427.12	$15.6K → RYLD
10	$25,736	$497.76	$44,525	$2,587.35	$18.8K → RYLD

XROLF vs RYLD: Complete Analysis 2026

XROLF — Stock

Xero Limited, together with its subsidiaries, operates as a software as a service company in New Zealand, Australia, the United Kingdom, and internationally. The company offers Xero, an open platform that connects small businesses to a range of solutions, which helps to manage their finances. It also provides Xero mobile app; and accountant/bookkeeper tools, including Xero HQ, Xero Practice Manager, Xero Workpapers, and Xero Cashbook or Xero Ledger. Xero Limited was incorporated in 2006 and is headquartered in Wellington, New Zealand.

Full XROLF 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.