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BILS vs VYM: Dividend Comparison 2026

BILS yields 3.96% · VYM yields 2.41%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 VYM wins by $2.0K in total portfolio value
10 years
BILS
BILS
● Live price
3.96%
Share price
$99.43
Annual div
$3.93
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$25.9K
Annual income
$510.14
Full BILS calculator →
VYM
Vanguard High Dividend Yield ETF
● Live price
2.41%
Share price
$145.48
Annual div
$3.51
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$27.8K
Annual income
$278.55
Full VYM calculator →

Portfolio growth — BILS vs VYM

📍 VYM 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 PeriodBILSVYM
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, BILS + VYM cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
BILS pays
VYM pays
Both pay
Neither
💰

Tax Bracket Optimizer

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

BILS
Annual income on $10K today (after 15% tax)
$336.33/yr
After 10yr DRIP, annual income (after tax)
$433.62/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, BILS beats the other by $196.85/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of BILS + VYM for your $10,000?

BILS: 50%VYM: 50%
100% VYM50/50100% BILS
Portfolio after 10yr
$26.9K
Annual income
$394.34/yr
Blended yield
1.47%
🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

BILS buys
0
VYM buys
0
No recent congressional trades found for BILS or VYM in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricBILSVYM
Forward yield3.96%2.41%
Annual dividend / share$3.93$3.51
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR0%0%
Portfolio after 10y$25.9K$27.8K
Annual income after 10y$510.14$278.55
Total dividends collected$4.6K$2.6K
Payment frequencyquarterlyquarterly
SectorStockETF

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

YearBILS PortfolioBILS Income/yrVYM PortfolioVYM Income/yrGap
1← crossover$11,096$395.69$11,151$241.44$55.00VYM
2$12,283$410.32$12,413$246.79$130.00VYM
3$13,567$424.50$13,794$251.79$227.00VYM
4$14,955$438.21$15,306$256.47$351.00VYM
5$16,453$451.44$16,960$260.84$507.00VYM
6$18,069$464.17$18,768$264.92$699.00VYM
7$19,810$476.41$20,745$268.71$935.00VYM
8$21,685$488.15$22,905$272.24$1.2KVYM
9$23,703$499.39$25,265$275.51$1.6KVYM
10$25,872$510.14$27,842$278.55$2.0KVYM

BILS vs VYM: Complete Analysis 2026

BILSStock

The State Street SPDR Bloomberg 3-12 Month T-Bill ETF seeks to provide investment results that, before fees and expenses, correspond generally to the price and yield performance of the Bloomberg 3-12 Month U.S. Treasury Bill Index (the "Index")Seeks to provide exposure to publicly issued U.S. Treasury Bills that have remaining maturities between 3 and 12 monthsShort duration fixed income is less exposed to fluctuations in interest rates than longer duration securitiesRebalanced on the last business day of the month

Full BILS Calculator →

VYMETF

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.