Is XYLD or ADC a better dividend investment in 2026?

XYLD currently yields 9.02% with a 0.5% 5-year dividend growth rate. ADC yields 4.39% with 5.2% growth. The better choice depends on your goal: XYLD offers higher current income, while ADC is better for long-term compounding. Use the DRIP calculator above to model your specific scenario.

What is the dividend yield difference between XYLD and ADC?

XYLD has a forward dividend yield of 9.02% (3.48/share annually). ADC yields 4.39% (3.00/share annually). The yield gap is 4.63 percentage points.

How much would $10,000 in XYLD vs ADC pay in dividends per year?

With $10,000 invested: XYLD would pay approximately $902/year in dividends. ADC would pay approximately $439/year. With DRIP reinvestment over 10 years, these amounts grow substantially due to compounding.

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XYLD vs ADC: Dividend Comparison 2026

Q: Does XYLD or ADC pay monthly dividends?

XYLD pays monthly dividends. ADC pays monthly dividends. Monthly payers are preferred by investors who want regular cash flow to cover living expenses.

XYLD yields 9.02% · ADC yields 4.39% · See full DRIP projection below

vsEnter any two US tickers

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

🏆 ADC wins by $2.4K in total portfolio value

INVESTMENT

TIME HORIZON10 years

XYLD

Global X S&P 500 Covered Call ETF

9.02%

Share price

$38.60

Annual div

$3.48

5Y div CAGR

0.5%

Payout ratio

90%

After 10 yrs · $10,000 · DRIP

Portfolio value

$21.1K

Annual income

$2,363.75

Full XYLD calculator →

ADC

Agree Realty Corporation

4.39%

Share price

$68.40

Annual div

$3.00

5Y div CAGR

5.2%

Payout ratio

73%

After 10 yrs · $10,000 · DRIP

Portfolio value

$23.5K

Annual income

$1,093.74

Full ADC calculator →

Portfolio growth — XYLD vs ADC

Annual dividend income

MetricXYLDADC

Forward yield	9.02% ✓	4.39%
Annual dividend / share	$3.48 ✓	$3.00
Payout ratio	90%	73% ✓
1-year div growth	-2.1%	2.8% ✓
5-year div CAGR	0.5%	5.2% ✓
Portfolio after 10y	$21.1K	$23.5K ✓
Annual income after 10y	$2,363.75 ✓	$1,093.74
Total dividends collected	$15.0K ✓	$7.4K
Payment frequency	monthly	monthly
Sector	ETF	REIT

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

Year	XYLD Portfolio	XYLD Income/yr	ADC Portfolio	ADC Income/yr	Gap
1	$10,626	$906.06	$10,871	$461.40	$245.00 → ADC
2	$11,324	$995.47	$11,824	$506.91	$500.00 → ADC
3	$12,104	$1,096.88	$12,866	$557.16	$762.00 → ADC
4	$12,977	$1,212.21	$14,006	$612.66	$1.0K → ADC
5	$13,958	$1,343.80	$15,254	$674.00	$1.3K → ADC
6	$15,061	$1,494.40	$16,622	$741.82	$1.6K → ADC
7	$16,307	$1,667.30	$18,120	$816.86	$1.8K → ADC
8	$17,717	$1,866.48	$19,763	$899.90	$2.0K → ADC
9	$19,317	$2,096.71	$21,565	$991.86	$2.2K → ADC
10	$21,140	$2,363.75	$23,543	$1,093.74	$2.4K → ADC

XYLD vs ADC: Complete Analysis 2026

XYLD — ETF

XYLD sells covered calls on the S&P 500, converting equity volatility into monthly income. Yields 8-10% depending on market conditions. Similar to QYLD but with S&P 500 exposure — less volatile but comparable income mechanics. Popular for retirement income portfolios alongside other dividend ETFs.

Full XYLD Calculator →

ADC — REIT

Agree Realty is a net-lease REIT focused on high-quality retail tenants including Walmart, Home Depot, and Tractor Supply. Its monthly dividend and focus on investment-grade tenants make it a conservative REIT alternative to Realty Income. Conservative leverage and disciplined acquisition strategy set it apart.

Full ADC Calculator →

Frequently Asked Questions

Is XYLD or ADC better for dividend income in 2026?

XYLD currently offers a 9.02% yield (3.48/share/year) while ADC offers 4.39% (3.00/share/year). XYLD provides higher current income. However, ADC has grown its dividend faster (5.2% 5Y CAGR), which may lead to better long-term income through compounding.

How much would $10,000 in XYLD vs ADC earn per year?

With $10,000 invested today: XYLD pays approximately $902/year. ADC pays approximately $439/year. With DRIP reinvestment over 10 years, these grow to $2,364/year (XYLD) and $1,094/year (ADC).

Does XYLD or ADC pay monthly dividends?

XYLD pays monthly dividends. ADC pays monthly dividends. XYLD pays monthly, which is preferred by investors who need regular cash flow.

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⚠️ Educational purposes only. Not financial advice. All projections use historical data; actual results will vary.