Is BTMSX or VYM a better dividend investment in 2026?

BTMSX currently yields 3.05% with a 5% 5-year dividend growth rate. VYM yields 2.41% with 7.8% growth. The better choice depends on your goal: BTMSX offers higher current income.

What is the dividend yield difference between BTMSX and VYM?

BTMSX has a forward dividend yield of 3.05% ($0.31/share annually). VYM yields 2.41% ($3.51/share annually). The yield gap is 0.64 percentage points.

Home › Compare › BTMSX vs VYM

BTMSX vs VYM: Dividend Comparison 2026

BTMSX yields 3.05% · VYM yields 2.41%● Live data

vsPost on X →

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

🏆 VYM wins by $3.5K in total portfolio value

INVESTMENT

TIME HORIZON10 years

BTMSX

● Live price

3.05%

Share price

$10.03

Annual div

$0.31

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$24.3K

Annual income

$371.59

Full BTMSX 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 — BTMSX 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 Period	BTMSX	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, BTMSX + 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

—

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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BTMSX 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.

BTMSX

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

$259.47/yr

After 10yr DRIP, annual income (after tax)

$315.85/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, BTMSX beats the other by $79.08/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 BTMSX + VYM for your $10,000?

BTMSX: 50%VYM: 50%

100% VYM50/50100% BTMSX

Portfolio after 10yr

$26.1K

Annual income

$325.07/yr

Blended yield

1.25%

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Analyst Conviction Gap

Where Wall Street is split right now

BTMSX

No analyst data

Price Target

$26.00

+159.2% upside vs current

Range: $26.00 — $26.00

VYM

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)

BTMSX buys

VYM buys

No recent congressional trades found for BTMSX or VYM in the last 90 days.

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

MetricBTMSXVYM

Forward yield	3.05% ✓	2.41%
Annual dividend / share	$0.31	$3.51 ✓
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	0%	0%
Portfolio after 10y	$24.3K	$27.8K ✓
Annual income after 10y	$371.59 ✓	$278.55
Total dividends collected	$3.4K ✓	$2.6K
Payment frequency	quarterly	quarterly
Sector	Stock	ETF

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

Year	BTMSX Portfolio	BTMSX Income/yr	VYM Portfolio	VYM Income/yr	Gap
1← crossover	$11,005	$305.25	$11,151	$241.44	$146.00 → VYM
2	$12,090	$313.96	$12,413	$246.79	$323.00 → VYM
3	$13,258	$322.33	$13,794	$251.79	$536.00 → VYM
4	$14,517	$330.37	$15,306	$256.47	$789.00 → VYM
5	$15,871	$338.06	$16,960	$260.84	$1.1K → VYM
6	$17,327	$345.42	$18,768	$264.92	$1.4K → VYM
7	$18,893	$352.44	$20,745	$268.71	$1.9K → VYM
8	$20,574	$359.14	$22,905	$272.24	$2.3K → VYM
9	$22,380	$365.52	$25,265	$275.51	$2.9K → VYM
10	$24,318	$371.59	$27,842	$278.55	$3.5K → VYM

BTMSX vs VYM: Complete Analysis 2026

BTMSX — Stock

The fund normally invests at least 80% of its net assets in municipal bonds and debentures, the income from which is exempt from federal income tax (including the federal alternative minimum tax ("AMT")). It invests in a broadly diversified portfolio of federally tax-exempt municipal obligations issued by governmental authorities throughout the U.S. and its territories. The fund may invest in all types of municipal obligations, including pre-refunded bonds, general obligation bonds, revenue bonds, and municipal lease participations.

Full BTMSX 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.