Is ZNKKY or XYLD a better dividend investment in 2026?

ZNKKY currently yields 0.80% with a 5% 5-year dividend growth rate. XYLD yields 10.98% with 0.5% growth. The better choice depends on your goal: XYLD offers higher current income.

What is the dividend yield difference between ZNKKY and XYLD?

ZNKKY has a forward dividend yield of 0.80% ($0.08/share annually). XYLD yields 10.98% ($4.30/share annually). The yield gap is 10.18 percentage points.

Home › Compare › ZNKKY vs XYLD

ZNKKY vs XYLD: Dividend Comparison 2026

ZNKKY yields 0.80% · XYLD yields 10.98%● Live data

vsPost on X →

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

🏆 ZNKKY wins by $1.76M in total portfolio value

INVESTMENT

TIME HORIZON10 years

ZNKKY

● Live price

0.80%

Share price

$10.18

Annual div

$0.08

5Y div CAGR

98.1%

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$1.79M

Annual income

$1,413,558.74

Full ZNKKY calculator →

XYLD

Global X S&P 500 Covered Call ETF

● Live price

10.98%

Share price

$39.13

Annual div

$4.30

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$25.3K

Annual income

$3,219.02

Full XYLD calculator →

Portfolio growth — ZNKKY vs XYLD

📍 ZNKKY pulled ahead of the other in Year 1

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

Jan

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Feb

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Mar

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Apr

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May

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Jun

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Jul

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Aug

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Sep

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Oct

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Nov

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Dec

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ZNKKY pays

XYLD pays

Both pay

Neither

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Tax Bracket Optimizer

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

ZNKKY

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

$67.95/yr

After 10yr DRIP, annual income (after tax)

$1,201,524.93/yr

XYLD

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

$933.63/yr

After 10yr DRIP, annual income (after tax)

$2,736.17/yr

At 15% tax rate, ZNKKY beats the other by $1,198,788.76/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 ZNKKY + XYLD for your $10,000?

ZNKKY: 50%XYLD: 50%

100% XYLD50/50100% ZNKKY

Portfolio after 10yr

$906.3K

Annual income

$708,388.88/yr

Blended yield

78.16%

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

ZNKKY buys

XYLD buys

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

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

MetricZNKKYXYLD

Forward yield	0.80%	10.98% ✓
Annual dividend / share	$0.08	$4.30 ✓
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	98.1% ✓	0%
Portfolio after 10y	$1.79M	$25.3K ✓
Annual income after 10y	$1,413,558.74 ✓	$3,219.02
Total dividends collected	$1.73M	$19.6K ✓
Payment frequency	quarterly	monthly
Sector	Stock	ETF

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

Year	ZNKKY Portfolio	ZNKKY Income/yr	XYLD Portfolio	XYLD Income/yr	Gap
1← crossover	$10,858	$158.36	$10,818	$1,098.39	+$40.00 → ZNKKY
2	$11,937	$318.35	$11,738	$1,222.51	+$199.00 → ZNKKY
3	$13,420	$647.94	$12,774	$1,364.64	+$646.00 → ZNKKY
4	$15,708	$1,348.68	$13,944	$1,527.86	+$1.8K → ZNKKY
5	$19,731	$2,922.66	$15,270	$1,715.87	+$4.5K → ZNKKY
6	$27,908	$6,796.56	$16,775	$1,933.09	+$11.1K → ZNKKY
7	$47,660	$17,798.45	$18,490	$2,184.87	+$29.2K → ZNKKY
8	$107,270	$56,273.81	$20,450	$2,477.63	+$86.8K → ZNKKY
9	$349,272	$234,492.71	$22,697	$2,819.19	+$326.6K → ZNKKY
10	$1,787,280	$1,413,558.74	$25,280	$3,219.02	+$1.76M → ZNKKY

ZNKKY vs XYLD: Complete Analysis 2026

ZNKKY — Stock

ZENKOKU HOSHO Co.,Ltd., together with its subsidiaries, engages in the credit guarantee business in Japan. It also provides mortgage, card loan, apartment loan, and education loan guarantees. In addition, the company is involved in the non-life insurance agency and credit research businesses; and the provision of contracting, representative, and information processing and provision services. Further, it engages in the debt collection business, as well as acts as an agent for back office operations. ZENKOKU HOSHO Co.,Ltd. was founded in 1981 and is headquartered in Tokyo, Japan.

Full ZNKKY Calculator →

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 →

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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.