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XYLD vs VYM: Dividend Comparison 2026

XYLD yields 9.02% · VYM yields 2.91% · See full DRIP projection below

vsEnter any two US tickers
After 10 years · $10,000 invested · DRIP enabled
🏆 VYM wins by $10.1K 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 →
VYM
Vanguard High Dividend Yield ETF
2.91%
Share price
$118.40
Annual div
$3.44
5Y div CAGR
7.8%
Payout ratio
45%
After 10 yrs · $10,000 · DRIP
Portfolio value
$31.3K
Annual income
$785.17
Full VYM calculator →

Portfolio growth — XYLD vs VYM

Annual dividend income

MetricXYLDVYM
Forward yield9.02%2.91%
Annual dividend / share$3.48$3.44
Payout ratio90%45%
1-year div growth-2.1%6.2%
5-year div CAGR0.5%7.8%
Portfolio after 10y$21.1K$31.3K
Annual income after 10y$2,363.75$785.17
Total dividends collected$15.0K$5.2K
Payment frequencymonthlyquarterly
SectorETFETF

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

YearXYLD PortfolioXYLD Income/yrVYM PortfolioVYM Income/yrGap
1$10,626$906.06$11,223$313.20$597.00VYM
2$11,324$995.47$12,592$347.33$1.3KVYM
3$12,104$1,096.88$14,123$385.04$2.0KVYM
4$12,977$1,212.21$15,835$426.70$2.9KVYM
5$13,958$1,343.80$17,748$472.73$3.8KVYM
6$15,061$1,494.40$19,887$523.54$4.8KVYM
7$16,307$1,667.30$22,276$579.64$6.0KVYM
8$17,717$1,866.48$24,945$641.54$7.2KVYM
9$19,317$2,096.71$27,925$709.84$8.6KVYM
10$21,140$2,363.75$31,251$785.17$10.1KVYM

XYLD vs VYM: 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.

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VYMETF

VYM tracks the FTSE High Dividend Yield Index, holding ~450 large-cap US companies with above-average dividend yields. With an ultra-low 0.06% expense ratio, it's one of the cheapest dividend ETFs available. Excellent core holding for long-term dividend growth investors seeking broad diversification and reliable income.

Full VYM Calculator →

Frequently Asked Questions

Is XYLD or VYM better for dividend income in 2026?
XYLD currently offers a 9.02% yield (3.48/share/year) while VYM offers 2.91% (3.44/share/year). XYLD provides higher current income. However, VYM has grown its dividend faster (7.8% 5Y CAGR), which may lead to better long-term income through compounding.
How much would $10,000 in XYLD vs VYM earn per year?
With $10,000 invested today: XYLD pays approximately $902/year. VYM pays approximately $291/year. With DRIP reinvestment over 10 years, these grow to $2,364/year (XYLD) and $785/year (VYM).
Does XYLD or VYM pay monthly dividends?
XYLD pays monthly dividends. VYM 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.