Is XROLF or XYLD a better dividend investment in 2026?

XROLF currently yields 3.88% with a 5% 5-year dividend growth rate. XYLD yields 10.98% with 0.5% growth. The better choice depends on your goal: XYLD offers higher current income.

What is the dividend yield difference between XROLF and XYLD?

XROLF has a forward dividend yield of 3.88% ($2.00/share annually). XYLD yields 10.98% ($4.30/share annually). The yield gap is 7.10 percentage points.

Home › Compare › XROLF vs XYLD

XROLF vs XYLD: Dividend Comparison 2026

XROLF yields 3.88% · XYLD yields 10.98%● Live data

vsPost on X →

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

🏆 XROLF wins by $456.00 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 →

XYLD

Global X S&P 500 Covered Call ETF

● Live price

10.98%

Share price

$39.13

Annual div

$4.30

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$25.3K

Annual income

$3,219.02

Full XYLD calculator →

Portfolio growth — XROLF vs XYLD

📍 XROLF 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	XYLD
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 + XYLD cover 0 of 12 months — good coverage

Jan

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Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

XROLF pays

XYLD 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

XYLD

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

$933.63/yr

After 10yr DRIP, annual income (after tax)

$2,736.17/yr

At 15% tax rate, XYLD beats the other by $2,313.07/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 + XYLD for your $10,000?

XROLF: 50%XYLD: 50%

100% XYLD50/50100% XROLF

Portfolio after 10yr

$25.5K

Annual income

$1,858.39/yr

Blended yield

7.29%

📊

Analyst Conviction Gap

Where Wall Street is most bullish on XROLF right now

XROLF

Analyst Ratings

Buy

Consensus: Buy

Altman Z

6.0

Piotroski

6/9

XYLD

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)

XROLF buys

XYLD buys

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

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

MetricXROLFXYLD

Forward yield	3.88%	10.98% ✓
Annual dividend / share	$2.00	$4.30 ✓
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	0%	0%
Portfolio after 10y	$25.7K ✓	$25.3K
Annual income after 10y	$497.76	$3,219.02 ✓
Total dividends collected	$4.5K	$19.6K ✓
Payment frequency	quarterly	monthly
Sector	Stock	ETF

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

Year	XROLF Portfolio	XROLF Income/yr	XYLD Portfolio	XYLD Income/yr	Gap
1← crossover	$11,088	$387.97	$10,818	$1,098.39	+$270.00 → XROLF
2	$12,266	$402.04	$11,738	$1,222.51	+$528.00 → XROLF
3	$13,540	$415.66	$12,774	$1,364.64	+$766.00 → XROLF
4	$14,917	$428.83	$13,944	$1,527.86	+$973.00 → XROLF
5	$16,403	$441.52	$15,270	$1,715.87	+$1.1K → XROLF
6	$18,005	$453.73	$16,775	$1,933.09	+$1.2K → XROLF
7	$19,731	$465.46	$18,490	$2,184.87	+$1.2K → XROLF
8	$21,588	$476.71	$20,450	$2,477.63	+$1.1K → XROLF
9	$23,587	$487.47	$22,697	$2,819.19	+$890.00 → XROLF
10	$25,736	$497.76	$25,280	$3,219.02	+$456.00 → XROLF

XROLF vs XYLD: 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 →

XYLD — ETF

The Global X S&P 500 Covered Call ETF (XYLD) seeks to provide investment results that correspond generally to the price and yield performance, before fees and expenses, of the Cboe S&P 500 BuyWrite Index.

Full XYLD 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.