Is ZFSVF or RYLD a better dividend investment in 2026?

ZFSVF currently yields 4.63% with a 5% 5-year dividend growth rate. RYLD yields 12.14% with 5% growth. The better choice depends on your goal: RYLD offers higher current income.

What is the dividend yield difference between ZFSVF and RYLD?

ZFSVF has a forward dividend yield of 4.63% ($33.99/share annually). RYLD yields 12.14% ($1.81/share annually). The yield gap is 7.51 percentage points.

Home › Compare › ZFSVF vs RYLD

ZFSVF vs RYLD: Dividend Comparison 2026

ZFSVF yields 4.63% · RYLD yields 12.14%● Live data

vsPost on X →

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

🏆 ZFSVF wins by $135.1K in total portfolio value· pulled ahead in Year 5

INVESTMENT

TIME HORIZON10 years

ZFSVF

● Live price

4.63%

Share price

$734.43

Annual div

$33.99

5Y div CAGR

39.4%

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$179.7K

Annual income

$70,902.85

Full ZFSVF calculator →

RYLD

● Live price

12.14%

Share price

$14.95

Annual div

$1.81

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$44.5K

Annual income

$2,587.35

Full RYLD calculator →

Portfolio growth — ZFSVF vs RYLD

📍 ZFSVF pulled ahead of the other in Year 5

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	ZFSVF	RYLD
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, ZFSVF + RYLD cover 0 of 12 months — good coverage

Jan

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Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

ZFSVF pays

RYLD pays

Both pay

Neither

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Tax Bracket Optimizer

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

ZFSVF

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

$393.38/yr

After 10yr DRIP, annual income (after tax)

$60,267.42/yr

RYLD

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

$1,031.60/yr

After 10yr DRIP, annual income (after tax)

$2,199.25/yr

At 15% tax rate, ZFSVF beats the other by $58,068.18/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 ZFSVF + RYLD for your $10,000?

ZFSVF: 50%RYLD: 50%

100% RYLD50/50100% ZFSVF

Portfolio after 10yr

$112.1K

Annual income

$36,745.09/yr

Blended yield

32.78%

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Analyst Conviction Gap

Where Wall Street is most bullish on RYLD right now

ZFSVF

Analyst Ratings

Sell

Consensus: Sell

Altman Z

0.7

Piotroski

5/9

RYLD

No analyst data

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)

ZFSVF buys

RYLD buys

No recent congressional trades found for ZFSVF or RYLD in the last 90 days.

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

MetricZFSVFRYLD

Forward yield	4.63%	12.14% ✓
Annual dividend / share	$33.99 ✓	$1.81
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	39.4% ✓	0%
Portfolio after 10y	$179.7K ✓	$44.5K
Annual income after 10y	$70,902.85 ✓	$2,587.35
Total dividends collected	$146.5K ✓	$18.8K
Payment frequency	quarterly	quarterly
Sector	Stock	ETF

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

Year	ZFSVF Portfolio	ZFSVF Income/yr	RYLD Portfolio	RYLD Income/yr	Gap
1	$11,345	$645.14	$11,914	$1,213.65	$569.00 → RYLD
2	$13,093	$953.54	$14,099	$1,351.30	$1.0K → RYLD
3	$15,443	$1,433.65	$16,580	$1,494.55	$1.1K → RYLD
4	$18,727	$2,203.02	$19,384	$1,642.61	$657.00 → RYLD
5← crossover	$23,518	$3,480.45	$22,535	$1,794.70	+$983.00 → ZFSVF
6	$30,859	$5,694.46	$26,063	$1,950.00	+$4.8K → ZFSVF
7	$42,754	$9,734.37	$29,995	$2,107.69	+$12.8K → ZFSVF
8	$63,317	$17,570.19	$34,361	$2,266.99	+$29.0K → ZFSVF
9	$101,649	$33,900.02	$39,194	$2,427.12	+$62.5K → ZFSVF
10	$179,667	$70,902.85	$44,525	$2,587.35	+$135.1K → ZFSVF

ZFSVF vs RYLD: Complete Analysis 2026

ZFSVF — Stock

Zurich Insurance Group AG, together with its subsidiaries, provides insurance products and related services in Europe, the Middle East, Africa, North America, Latin America, and the Asia Pacific. The company operates through Property & Casualty Regions, Life Regions, Farmers, Group Functions and Operations, and Non-Core Businesses segments. It offers car, home, travel, general liability, life and critical illness, worker injury, and other insurance products; and saving and investment, and pension and retirement planning products. The company also provides property, casualty, management or professional liability, trade credit, political risk, marine, cyber risk, and financial institution insurance products. In addition, it offers employee benefit insurance products; reinsurance services; and non-claims and ancillary services to the farmers' exchanges. It serves individuals, small businesses, and mid-sized and large companies, as well as multinational corporations. The company sells its products through agents, brokers, and bank distribution channels. Zurich Insurance Group AG was founded in 1872 and is based in Zurich, Switzerland.

Full ZFSVF Calculator →

RYLD — ETF

The Global X Russell 2000 Covered Call ETF (RYLD) seeks to provide investment results that correspond generally to the price and yield performance, before fees and expenses, of the Cboe Russell 2000 BuyWrite Index.

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.