Is CDCTF or VYM a better dividend investment in 2026?

CDCTF currently yields 3.57% with a 5% 5-year dividend growth rate. VYM yields 2.37% with 7.8% growth. The better choice depends on your goal: CDCTF offers higher current income.

What is the dividend yield difference between CDCTF and VYM?

CDCTF has a forward dividend yield of 3.57% ($0.73/share annually). VYM yields 2.37% ($3.51/share annually). The yield gap is 1.20 percentage points.

Home › Compare › CDCTF vs VYM

CDCTF vs VYM: Dividend Comparison 2026

CDCTF yields 3.57% · VYM yields 2.37%● Live data

vsPost on X →

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

🏆 CDCTF wins by $4.9K in total portfolio value· pulled ahead in Year 3

INVESTMENT

TIME HORIZON10 years

CDCTF

● Live price

3.57%

Share price

$20.55

Annual div

$0.73

5Y div CAGR

14.3%

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$32.7K

Annual income

$2,113.12

Full CDCTF calculator →

VYM

Vanguard High Dividend Yield ETF

● Live price

2.37%

Share price

$148.10

Annual div

$3.51

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$27.8K

Annual income

$272.94

Full VYM calculator →

Portfolio growth — CDCTF vs VYM

📍 CDCTF pulled ahead of the other in Year 3

Annual dividend income

🛡️

Recession Test — Did They Cut Dividends?

How each stock treated shareholders during the 3 biggest crises of the last 20 years

Crisis Period	CDCTF	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%.

📅

Dividend Calendar Overlap

Combined, CDCTF + VYM cover 0 of 12 months — good coverage

Jan

—

Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

CDCTF pays

VYM pays

Both pay

Neither

💰

Tax Bracket Optimizer

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

CDCTF

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

$303.35/yr

After 10yr DRIP, annual income (after tax)

$1,796.15/yr

VYM

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

$201.60/yr

After 10yr DRIP, annual income (after tax)

$232.00/yr

At 15% tax rate, CDCTF beats the other by $1,564.15/year in after-tax income after 10 years on $10,000

⚖️

Lazy Portfolio Split Optimizer

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

CDCTF: 50%VYM: 50%

100% VYM50/50100% CDCTF

Portfolio after 10yr

$30.2K

Annual income

$1,193.03/yr

Blended yield

3.94%

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

CDCTF buys

VYM buys

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

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

MetricCDCTFVYM

Forward yield	3.57% ✓	2.37%
Annual dividend / share	$0.73	$3.51 ✓
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	14.3% ✓	0%
Portfolio after 10y	$32.7K ✓	$27.8K
Annual income after 10y	$2,113.12 ✓	$272.94
Total dividends collected	$10.4K ✓	$2.6K
Payment frequency	quarterly	quarterly
Sector	Stock	ETF

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

Year	CDCTF Portfolio	CDCTF Income/yr	VYM Portfolio	VYM Income/yr	Gap
1	$11,108	$407.92	$11,147	$237.17	$39.00 → VYM
2	$12,370	$484.03	$12,404	$242.33	$34.00 → VYM
3← crossover	$13,811	$575.77	$13,780	$247.16	+$31.00 → CDCTF
4	$15,465	$686.74	$15,285	$251.67	+$180.00 → CDCTF
5	$17,369	$821.42	$16,932	$255.88	+$437.00 → CDCTF
6	$19,570	$985.49	$18,733	$259.81	+$837.00 → CDCTF
7	$22,126	$1,186.15	$20,701	$263.46	+$1.4K → CDCTF
8	$25,107	$1,432.56	$22,852	$266.86	+$2.3K → CDCTF
9	$28,601	$1,736.50	$25,201	$270.01	+$3.4K → CDCTF
10	$32,717	$2,113.12	$27,768	$272.94	+$4.9K → CDCTF

CDCTF vs VYM: Complete Analysis 2026

CDCTF — Stock

GOLDCREST Co.,Ltd. engages in planning, development, and sale of new condominiums in Japan. The company was incorporated in 1968 and is headquartered in Tokyo, Japan.

Full CDCTF 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 →

📬

Get this CDCTF vs VYM comparison by email

Save your analysis + weekly dividend insights. Free forever.

More comparisons

CDCTF vs SCHD CDCTF vs JEPI CDCTF vs O CDCTF vs KO CDCTF vs MAIN CDCTF vs VIG CDCTF vs DGRO CDCTF vs HDV

⚠️ Educational purposes only. Not financial advice. Congressional trades sourced from SEC STOCK Act filings via FMP. Past performance does not guarantee future results.