HomeCompareCNFRZ vs VYM

CNFRZ vs VYM: Dividend Comparison 2026

CNFRZ yields 12.37% · VYM yields 2.91%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 CNFRZ wins by $14.0K in total portfolio value
10 years
CNFRZ
CNFRZ
● Live price
12.37%
Share price
$19.70
Annual div
$2.44
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$45.2K
Annual income
$2,675.37
Full CNFRZ calculator →
VYM
Vanguard High Dividend Yield ETF
● Live price
2.91%
Share price
$118.40
Annual div
$3.44
5Y div CAGR
7.8%
Payout ratio
45%
After 10 yrs · $10,000 · DRIP
Portfolio value
$31.3K
Annual income
$785.17
Full VYM calculator →

Portfolio growth — CNFRZ vs VYM

📍 CNFRZ 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 PeriodCNFRZVYM
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, CNFRZ + VYM cover 4 of 12 monthsgood coverage

Jan
Feb
Mar
VYM
Apr
May
Jun
VYM
Jul
Aug
Sep
VYM
Oct
Nov
Dec
VYM
CNFRZ 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.

CNFRZ
Annual income on $10K today (after 15% tax)
$1,051.72/yr
After 10yr DRIP, annual income (after tax)
$2,274.06/yr
VYM
Annual income on $10K today (after 15% tax)
$246.96/yr
After 10yr DRIP, annual income (after tax)
$667.39/yr
At 15% tax rate, CNFRZ beats the other by $1,606.67/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

CNFRZ: 50%VYM: 50%
100% VYM50/50100% CNFRZ
Portfolio after 10yr
$38.2K
Annual income
$1,730.26/yr
Blended yield
4.53%
🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

CNFRZ buys
0
VYM buys
0
No recent congressional trades found for CNFRZ or VYM in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricCNFRZVYM
Forward yield12.37%2.91%
Annual dividend / share$2.44$3.44
Payout ratio50%45%
1-year div growth0%6.2%
5-year div CAGR0%7.8%
Portfolio after 10y$45.2K$31.3K
Annual income after 10y$2,675.37$785.17
Total dividends collected$19.4K$5.2K
Payment frequencyquarterlyquarterly
SectorStockETF

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

YearCNFRZ PortfolioCNFRZ Income/yrVYM PortfolioVYM Income/yrGap
1← crossover$11,937$1,237.32$11,223$313.20+$714.00CNFRZ
2$14,153$1,380.40$12,592$347.33+$1.6KCNFRZ
3$16,674$1,529.58$14,123$385.04+$2.6KCNFRZ
4$19,525$1,684.07$15,835$426.70+$3.7KCNFRZ
5$22,735$1,843.04$17,748$472.73+$5.0KCNFRZ
6$26,332$2,005.63$19,887$523.54+$6.4KCNFRZ
7$30,346$2,170.99$22,276$579.64+$8.1KCNFRZ
8$34,808$2,338.28$24,945$641.54+$9.9KCNFRZ
9$39,752$2,506.66$27,925$709.84+$11.8KCNFRZ
10$45,210$2,675.37$31,251$785.17+$14.0KCNFRZ

CNFRZ vs VYM: Complete Analysis 2026

CNFRZStock

Conifer Holdings, Inc., an insurance holding company, engages in the sale of property and casualty insurance products. It offers insurance coverage in specialty commercial and personal product lines. The company underwrites various specialty insurance products, including property, general liability, liquor liability, automobile, and homeowners and dwelling policies. It serves the commercial insurance needs of owner-operated businesses in the markets, such as hospitality, which includes restaurants, bars, taverns, and bowling centers, as well as small grocery and convenience stores; artisan contractors comprising plumbers, painters, carpenters, electricians, and other independent contractors; and security service providers, including companies that provide security guard services, security alarm products and services, and private investigative services. The company also offers specialty homeowners insurance products, such as low- value dwelling insurance tailored for owners of lower valued homes in Illinois, Indiana, Louisiana, and Texas; and wholesale agency services comprising commercial and personal lines insurance products for its insurance company subsidiaries, as well as third party insurers. Conifer Holdings, Inc. markets and sells its insurance products through a network of approximately 4,900 independent agents in 50 states in the United States. The company was incorporated in 2009 and is headquartered in Troy, Michigan.

Full CNFRZ Calculator →

VYMETF

VYM tracks the FTSE High Dividend Yield Index, holding ~450 large-cap US companies with above-average dividend yields. With an ultra-low 0.06% expense ratio, it's one of the cheapest dividend ETFs available. Excellent core holding for long-term dividend growth investors seeking broad diversification and reliable income.

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.