Is XYLD or SAFE a better dividend investment in 2026?

XYLD currently yields 11.20% with a 0.5% 5-year dividend growth rate. SAFE yields 5.20% with 5% growth. The better choice depends on your goal: XYLD offers higher current income.

What is the dividend yield difference between XYLD and SAFE?

XYLD has a forward dividend yield of 11.20% ($4.30/share annually). SAFE yields 5.20% ($0.71/share annually). The yield gap is 6.00 percentage points.

Home › Compare › XYLD vs SAFE

XYLD vs SAFE: Dividend Comparison 2026

XYLD yields 11.20% · SAFE yields 5.20%● Live data

vsPost on X →

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

🏆 XYLD wins by $4.5K in total portfolio value· pulled ahead in Year 4

INVESTMENT

TIME HORIZON10 years

XYLD

Global X S&P 500 Covered Call ETF

● Live price

11.20%

Share price

$38.36

Annual div

$4.30

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$25.9K

Annual income

$3,351.03

Full XYLD calculator →

SAFE

● Live price

5.20%

Share price

$13.62

Annual div

$0.71

5Y div CAGR

-34.3%

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$21.3K

Annual income

$8.45

Full SAFE calculator →

Portfolio growth — XYLD vs SAFE

📍 XYLD pulled ahead of the other in Year 4

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	XYLD	SAFE
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, XYLD + SAFE cover 0 of 12 months — good coverage

Jan

—

Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

XYLD pays

SAFE pays

Both pay

Neither

💰

Tax Bracket Optimizer

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

XYLD

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

$952.37/yr

After 10yr DRIP, annual income (after tax)

$2,848.38/yr

SAFE

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

$441.85/yr

After 10yr DRIP, annual income (after tax)

$7.18/yr

At 15% tax rate, XYLD beats the other by $2,841.19/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 XYLD + SAFE for your $10,000?

XYLD: 50%SAFE: 50%

100% SAFE50/50100% XYLD

Portfolio after 10yr

$23.6K

Annual income

$1,679.73/yr

Blended yield

7.12%

📊

Analyst Conviction Gap

Where Wall Street is most bullish on SAFE right now

XYLD

No analyst data

SAFE

Analyst Ratings

Buy

Hold

Sell

Consensus: Buy

Price Target

$15.50

+13.8% upside vs current

Range: $14.00 — $17.00

Altman Z

0.7

Piotroski

4/9

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)

XYLD buys

SAFE buys

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

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

MetricXYLDSAFE

Forward yield	11.20% ✓	5.20%
Annual dividend / share	$4.30 ✓	$0.71
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	0% ✓	-34.3%
Portfolio after 10y	$25.9K ✓	$21.3K
Annual income after 10y	$3,351.03 ✓	$8.45
Total dividends collected	$20.2K ✓	$1.0K
Payment frequency	monthly	quarterly
Sector	ETF	Stock

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

Year	XYLD Portfolio	XYLD Income/yr	SAFE Portfolio	SAFE Income/yr	Gap
1	$10,840	$1,120.44	$11,042	$341.52	$202.00 → SAFE
2	$11,786	$1,249.59	$12,046	$231.54	$260.00 → SAFE
3	$12,854	$1,397.78	$13,044	$155.11	$190.00 → SAFE
4← crossover	$14,063	$1,568.33	$14,061	$103.13	+$2.00 → XYLD
5	$15,434	$1,765.19	$15,113	$68.26	+$321.00 → XYLD
6	$16,995	$1,993.14	$16,216	$45.05	+$779.00 → XYLD
7	$18,777	$2,257.95	$17,381	$29.68	+$1.4K → XYLD
8	$20,818	$2,566.58	$18,617	$19.53	+$2.2K → XYLD
9	$23,163	$2,927.50	$19,933	$12.85	+$3.2K → XYLD
10	$25,865	$3,351.03	$21,337	$8.45	+$4.5K → XYLD

XYLD vs SAFE: Complete Analysis 2026

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 →

SAFE — Stock

Safehold Inc. (NYSE: SAFE) is revolutionizing real estate ownership by providing a new and better way for owners to unlock the value of the land beneath their buildings. Through its modern ground lease capital solution, Safehold helps owners of high quality multifamily, office, industrial, hospitality and mixed-use properties in major markets throughout the United States generate higher returns with less risk. The Company, which is taxed as a real estate investment trust (REIT) and is managed by its largest shareholder, iStar Inc., seeks to deliver safe, growing income and long-term capital appreciation to its shareholders.

Full SAFE 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.