Is XTMIF or RYLD a better dividend investment in 2026?

XTMIF currently yields 46728.97% with a 5% 5-year dividend growth rate. RYLD yields 12.14% with 5% growth. The better choice depends on your goal: XTMIF offers higher current income.

What is the dividend yield difference between XTMIF and RYLD?

XTMIF has a forward dividend yield of 46728.97% ($2.00/share annually). RYLD yields 12.14% ($1.81/share annually). The yield gap is 46716.83 percentage points.

Home › Compare › XTMIF vs RYLD

XTMIF vs RYLD: Dividend Comparison 2026

XTMIF yields 46728.97% · RYLD yields 12.14%● Live data

vsPost on X →

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

🏆 XTMIF wins by $2.4395487741747353e+23M in total portfolio value

INVESTMENT

TIME HORIZON10 years

XTMIF

● Live price

46728.97%

Share price

$0.00

Annual div

$2.00

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$2.4395487741747353e+23M

Annual income

$242,932,204,766,514,900,000,000,000,000.00

Full XTMIF 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 — XTMIF vs RYLD

📍 XTMIF 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	XTMIF	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, XTMIF + RYLD cover 0 of 12 months — good coverage

Jan

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Feb

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Mar

—

Apr

—

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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XTMIF 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.

XTMIF

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

$3,971,962.62/yr

After 10yr DRIP, annual income (after tax)

$206,492,374,051,537,670,000,000,000,000.00/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, XTMIF beats the other by $206,492,374,051,537,670,000,000,000,000.00/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 XTMIF + RYLD for your $10,000?

XTMIF: 50%RYLD: 50%

100% RYLD50/50100% XTMIF

Portfolio after 10yr

$1.2197743870873676e+23M

Annual income

$121,466,102,383,257,450,000,000,000,000.00/yr

Blended yield

99.58%

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

XTMIF buys

RYLD buys

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

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

MetricXTMIFRYLD

Forward yield	46728.97% ✓	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	$2.4395487741747353e+23M	$44.5K ✓
Annual income after 10y	$242,932,204,766,514,900,000,000,000,000.00 ✓	$2,587.35
Total dividends collected	$2.438877277217067e+23M	$18.8K ✓
Payment frequency	quarterly	quarterly
Sector	Stock	ETF

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

Year	XTMIF Portfolio	XTMIF Income/yr	RYLD Portfolio	RYLD Income/yr	Gap
1← crossover	$4,683,597	$4,672,897.20	$11,914	$1,213.65	+$4.67M → XTMIF
2	$2,050,429,038	$2,045,417,589.42	$14,099	$1,351.30	+$2050.41M → XTMIF
3	$839,074,394,461	$836,880,435,390.18	$16,580	$1,494.55	+$839074.38M → XTMIF
4	$320,960,728,645,173	$320,062,919,043,099.44	$19,384	$1,642.61	+$320960728.63M → XTMIF
5	$114,763,709,820,158,500	$114,420,281,840,508,140.00	$22,535	$1,794.70	+$114763709820.14M → XTMIF
6	$38,358,749,977,006,230,000	$38,235,952,807,498,660,000.00	$26,063	$1,950.00	+$38358749977006.20M → XTMIF
7	$11,984,994,686,073,490,000,000	$11,943,950,823,598,093,000,000.00	$29,995	$2,107.69	+$11984994686073490.00M → XTMIF
8	$3,500,511,957,043,285,000,000,000	$3,487,688,012,729,187,300,000,000.00	$34,361	$2,266.99	+$3500511957043284992.00M → XTMIF
9	$955,768,832,671,593,300,000,000,000	$952,023,284,877,556,900,000,000,000.00	$39,194	$2,427.12	+$955768832671593267200.00M → XTMIF
10	$243,954,877,417,473,530,000,000,000,000	$242,932,204,766,514,900,000,000,000,000.00	$44,525	$2,587.35	+$2.4395487741747353e+23M → XTMIF

XTMIF vs RYLD: Complete Analysis 2026

XTMIF — Stock

XTM Inc., a fintech innovator, provides disseminating earned wages and gratuities access to service workers in the hospitality and personal care space. It offers Today Solution, a bespoke solution that consists of free mobile app and a visa or Mastercard debit card for restaurateurs and personal care services operators and their staff. The company was formerly known as Extreme Corp Makeover Inc. and changed its name to XTM Inc. in October 2006. XTM Inc. was incorporated in 2005 and is headquartered in Toronto, Canada.

Full XTMIF 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.