Computed head-to-head · 6 dimensions

MSTY vs XYLD

YieldMax MSTR Option Income Strategy ETF versus Global X S&P 500 Covered Call ETF — yield, safety, growth trend, cost, scale, and tax treatment.

XYLD wins 3–1 on our six-dimension comparison, but MSTY can still be the better fit depending on your priorities — see each dimension below.

Scorecard at a glance

Dimension	MSTY	XYLD	Winner
Yield	11.68%	10.61%	MSTY wins
Dividend safety	4.7/10	5.1/10	XYLD wins
Growth trend	—	—	Tie
Expense ratio	103.00%	60.00%	XYLD wins
Scale	$1.3B	$3.1B	XYLD wins
Tax efficiency	Ordinary income	Ordinary income	Tie
Overall	1 wins	3 wins	XYLD wins

Dimension by dimension

MSTY wins on yield (11.68% vs 10.61%)

On a $10,000 investment that's about $107 more in annual dividend income before taxes — though higher yield often comes with higher risk.

MSTY's higher yield (11.68%) looks attractive but investors should weigh whether the extra income compensates for any additional risk versus XYLD's 10.61% — especially if the higher yield is driven by covered calls or a falling share price.

MSTY: 11.68%XYLD: 10.61%

XYLD wins on safety (5.1/10 vs 4.7/10)

Our score combines yield zone, payout ratio, trend vs 5-year average, instrument type, and size. XYLD scores better on the weighted average of those factors.

MSTY: 4.7/10XYLD: 5.1/10

Yield-trend comparison unavailable

One or both tickers are missing 5-year average yield data.

MSTY: —XYLD: —

XYLD is cheaper (60.00% vs 103.00%)

On a $10,000 position the lower expense ratio saves about $4300/year — small annually but compounds significantly over 20+ years.

On $10,000 invested, XYLD's lower expense ratio saves roughly $43/year in fees versus MSTY. Over 20 years that compounds to a meaningful drag — expense ratios are one of the few costs investors fully control.

MSTY: 103.00%XYLD: 60.00%

XYLD is 2.4× larger by AUM

Larger funds tend to have tighter spreads, deeper liquidity, and lower closure risk.

MSTY: $1.3BXYLD: $3.1B

Both have similar tax-treatment concerns

Both pay primarily ordinary-income distributions (covered call ETF, REIT, or mREIT). Hold in a tax-advantaged account for the cleanest treatment.

XYLD uses a covered-call or options strategy that typically generates ordinary income taxed at your full marginal rate. MSTY's dividends may qualify for the 0–20% qualified dividend rate. In a taxable account, MSTY keeps more of your income after taxes.

MSTY: Ordinary incomeXYLD: Ordinary income

How we compare these

Every comparison on this page is computed from current public data, not written by hand. Yield comes from the most recent dividend distribution annualized over current price. Safety scores combine yield zone, payout ratio, trend vs 5-year average, instrument type, and size — see our methodology for the exact formula. Tax-efficiency flags identify covered-call ETFs, REITs, and mREITs which distribute primarily as ordinary income.

This is educational, not investment advice.Scores reflect a snapshot of public data on the "as of" dates shown on each ticker's safety page. Verify on the issuer's investor relations page or your brokerage before making decisions.

Frequently asked

Which is better for income, MSTY or XYLD?

XYLD wins 3–1 on our six-dimension comparison, but MSTY can still be the better fit depending on your priorities — see each dimension below.

MSTY vs XYLD: which has a higher dividend yield?

MSTY yields 11.68% and XYLD yields 10.61%. On a $10,000 investment that's about $107 more in annual dividend income before taxes — though higher yield often comes with higher risk.

Is MSTY or XYLD a safer dividend in 2026?

MSTY scores 4.7/10 (Weak) on the Infnits dividend safety scale. XYLD scores 5.1/10 (Mixed). XYLD is the safer pick on our scoring model.

Which has better dividend growth, MSTY or XYLD?