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XTOC vs RYLD: Dividend Comparison 2026

XTOC yields 6.17% · RYLD yields 4.00%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 XTOC wins by $2.0K in total portfolio value
10 years
XTOC
XTOC
● Live price
6.17%
Share price
$32.43
Annual div
$2.00
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$30.1K
Annual income
$913.47
Full XTOC calculator →
RYLD
RYLD
● Live price
4.00%
Share price
$50.00
Annual div
$2.00
5Y div CAGR
5%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$28.0K
Annual income
$899.19
Full RYLD calculator →

Portfolio growth — XTOC vs RYLD

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

Jan
—
Feb
—
Mar
—
Apr
—
May
—
Jun
—
Jul
—
Aug
—
Sep
—
Oct
—
Nov
—
Dec
—
XTOC pays
RYLD pays
Both pay
Neither
💰

Tax Bracket Optimizer

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

XTOC
Annual income on $10K today (after 15% tax)
$524.21/yr
After 10yr DRIP, annual income (after tax)
$776.45/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, XTOC beats the other by $12.14/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

XTOC: 50%RYLD: 50%
100% RYLD50/50100% XTOC
Portfolio after 10yr
$29.0K
Annual income
$906.33/yr
Blended yield
3.12%
🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

XTOC buys
0
RYLD buys
0
No recent congressional trades found for XTOC or RYLD in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricXTOCRYLD
Forward yield6.17% ✓4.00%
Annual dividend / share$2.00$2.00
Payout ratio50%50%
1-year div growth0%5% ✓
5-year div CAGR0%5% ✓
Portfolio after 10y$30.1K ✓$28.0K
Annual income after 10y$913.47 ✓$899.19
Total dividends collected$7.7K ✓$6.4K
Payment frequencyquarterlyquarterly
SectorStockETF

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

YearXTOC PortfolioXTOC Income/yrRYLD PortfolioRYLD Income/yrGap
1← crossover$11,317$616.71$11,120$420.00+$197.00 → XTOC
2$12,761$652.26$12,357$458.31+$404.00 → XTOC
3$14,342$687.39$13,721$499.76+$621.00 → XTOC
4$16,068$722.00$15,227$544.58+$841.00 → XTOC
5$17,948$755.97$16,885$593.02+$1.1K → XTOC
6$19,994$789.21$18,713$645.34+$1.3K → XTOC
7$22,215$821.64$20,724$701.81+$1.5K → XTOC
8$24,624$853.19$22,938$762.73+$1.7K → XTOC
9$27,231$883.82$25,372$828.41+$1.9K → XTOC
10$30,051$913.47$28,047$899.19+$2.0K → XTOC

XTOC vs RYLD: Complete Analysis 2026

XTOC — Stock

The U.S. Equity Accelerated Plus ETF seeks to provide triple (3x) the upside return of SPY (SPDR S&P 500 ETF Trust), to a cap, with approximately single exposure to the downside, over an annual outcome period. The ETF can be held indefinitely, resetting at the end of each outcome period.

Full XTOC 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 →
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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.