Is AFSIC or VYM a better dividend investment in 2026?

AFSIC currently yields 12.44% with a 5% 5-year dividend growth rate. VYM yields 2.41% with 7.8% growth. The better choice depends on your goal: AFSIC offers higher current income.

What is the dividend yield difference between AFSIC and VYM?

AFSIC has a forward dividend yield of 12.44% ($1.91/share annually). VYM yields 2.41% ($3.51/share annually). The yield gap is 10.03 percentage points.

Home › Compare › AFSIC vs VYM

AFSIC vs VYM: Dividend Comparison 2026

AFSIC yields 12.44% · VYM yields 2.41%● Live data

vsPost on X →

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

🏆 AFSIC wins by $17.6K in total portfolio value

INVESTMENT

TIME HORIZON10 years

AFSIC

● Live price

12.44%

Share price

$15.32

Annual div

$1.91

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$45.4K

Annual income

$2,701.62

Full AFSIC calculator →

VYM

Vanguard High Dividend Yield ETF

● Live price

2.41%

Share price

$145.48

Annual div

$3.51

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$27.8K

Annual income

$278.55

Full VYM calculator →

Portfolio growth — AFSIC vs VYM

📍 AFSIC 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	AFSIC	VYM
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, AFSIC + VYM 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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AFSIC pays

VYM pays

Both pay

Neither

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Tax Bracket Optimizer

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

AFSIC

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

$1,057.64/yr

After 10yr DRIP, annual income (after tax)

$2,296.38/yr

VYM

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

$205.23/yr

After 10yr DRIP, annual income (after tax)

$236.77/yr

At 15% tax rate, AFSIC beats the other by $2,059.61/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 AFSIC + VYM for your $10,000?

AFSIC: 50%VYM: 50%

100% VYM50/50100% AFSIC

Portfolio after 10yr

$36.6K

Annual income

$1,490.08/yr

Blended yield

4.07%

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Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

AFSIC buys

VYM buys

Politician	Chamber	Ticker	Type	Amount	Date
Carol Devine Miller	🏢 House	$VYM	▲ Buy	$15,001 - $50,000	2022-11-02

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

MetricAFSICVYM

Forward yield	12.44% ✓	2.41%
Annual dividend / share	$1.91	$3.51 ✓
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	0%	0%
Portfolio after 10y	$45.4K ✓	$27.8K
Annual income after 10y	$2,701.62 ✓	$278.55
Total dividends collected	$19.5K ✓	$2.6K
Payment frequency	quarterly	quarterly
Sector	Stock	ETF

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

Year	AFSIC Portfolio	AFSIC Income/yr	VYM Portfolio	VYM Income/yr	Gap
1← crossover	$11,944	$1,244.28	$11,151	$241.44	+$793.00 → AFSIC
2	$14,169	$1,388.98	$12,413	$246.79	+$1.8K → AFSIC
3	$16,701	$1,539.93	$13,794	$251.79	+$2.9K → AFSIC
4	$19,567	$1,696.34	$15,306	$256.47	+$4.3K → AFSIC
5	$22,794	$1,857.37	$16,960	$260.84	+$5.8K → AFSIC
6	$26,411	$2,022.15	$18,768	$264.92	+$7.6K → AFSIC
7	$30,450	$2,189.81	$20,745	$268.71	+$9.7K → AFSIC
8	$34,941	$2,359.49	$22,905	$272.24	+$12.0K → AFSIC
9	$39,917	$2,530.36	$25,265	$275.51	+$14.7K → AFSIC
10	$45,413	$2,701.62	$27,842	$278.55	+$17.6K → AFSIC

AFSIC vs VYM: Complete Analysis 2026

AFSIC — Stock

AmTrust Financial Services, Inc. operates as a property and casualty company. It offers automobile, commercial auto liability, liability, products liability, marine, inland marine, multi-peril, commercial multiple peril (liability portion), workers' compensation, and other property and casualty insurance. It was founded in 1998 and is headquartered in New York, New York.

Full AFSIC Calculator →

VYM — ETF

Seeks to track the performance of the FTSE High Dividend Yield Index, which measures the investment return of common stocks of companies characterized by high dividend yields. Provides a convenient way to track the performance of stocks that are forecasted to have above-average dividend yields. Follows a passively managed, full-replication approach.

Full VYM 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.