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XYLD vs SO: Dividend Comparison 2026

XYLD yields 9.02% · SO yields 3.42% · See full DRIP projection below

vsEnter any two US tickers
After 10 years · $10,000 invested · DRIP enabled
🏆 SO wins by $609.00 in total portfolio value
10 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 →
SO
The Southern Company
3.42%
Share price
$84.20
Annual div
$2.88
5Y div CAGR
3.1%
Payout ratio
72%
After 10 yrs · $10,000 · DRIP
Portfolio value
$21.7K
Annual income
$613.85
Full SO calculator →

Portfolio growth — XYLD vs SO

Annual dividend income

MetricXYLDSO
Forward yield9.02%3.42%
Annual dividend / share$3.48$2.88
Payout ratio90%72%
1-year div growth-2.1%3%
5-year div CAGR0.5%3.1%
Portfolio after 10y$21.1K$21.7K
Annual income after 10y$2,363.75$613.85
Total dividends collected$15.0K$4.7K
Payment frequencymonthlyquarterly
SectorETFUtilities

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

YearXYLD PortfolioXYLD Income/yrSO PortfolioSO Income/yrGap
1$10,626$906.06$10,833$352.65$207.00SO
2$11,324$995.47$11,728$375.81$404.00SO
3$12,104$1,096.88$12,692$400.29$588.00SO
4$12,977$1,212.21$13,727$426.14$750.00SO
5$13,958$1,343.80$14,839$453.42$881.00SO
6$15,061$1,494.40$16,034$482.21$973.00SO
7$16,307$1,667.30$17,316$512.58$1.0KSO
8$17,717$1,866.48$18,692$544.59$975.00SO
9$19,317$2,096.71$20,167$578.32$850.00SO
10$21,140$2,363.75$21,749$613.85$609.00SO

XYLD vs SO: Complete Analysis 2026

XYLDETF

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 →

SOUtilities

Southern Company is a Dividend Aristocrat with 23+ consecutive years of increases. It serves 9M+ customers across Georgia, Alabama, and Mississippi through its regulated electric and gas utilities. Vogtle Unit 4 nuclear plant completion in 2024 adds decades of low-carbon baseload generation capacity.

Full SO Calculator →

Frequently Asked Questions

Is XYLD or SO better for dividend income in 2026?
XYLD currently offers a 9.02% yield (3.48/share/year) while SO offers 3.42% (2.88/share/year). XYLD provides higher current income. However, SO has grown its dividend faster (3.1% 5Y CAGR), which may lead to better long-term income through compounding.
How much would $10,000 in XYLD vs SO earn per year?
With $10,000 invested today: XYLD pays approximately $902/year. SO pays approximately $342/year. With DRIP reinvestment over 10 years, these grow to $2,364/year (XYLD) and $614/year (SO).
Does XYLD or SO pay monthly dividends?
XYLD pays monthly dividends. SO pays quarterly 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.