HomeCompareCRDT vs VYM

CRDT vs VYM: Dividend Comparison 2026

CRDT yields 6.91% · VYM yields 2.41%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 CRDT wins by $3.7K in total portfolio value
10 years
CRDT
CRDT
● Live price
6.91%
Share price
$22.44
Annual div
$1.55
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$31.6K
Annual income
$1,071.25
Full CRDT 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 — CRDT vs VYM

📍 CRDT 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 PeriodCRDTVYM
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, CRDT + VYM cover 0 of 12 monthsgood coverage

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

Tax Bracket Optimizer

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

CRDT
Annual income on $10K today (after 15% tax)
$587.12/yr
After 10yr DRIP, annual income (after tax)
$910.56/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, CRDT beats the other by $673.80/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

CRDT: 50%VYM: 50%
100% VYM50/50100% CRDT
Portfolio after 10yr
$29.7K
Annual income
$674.89/yr
Blended yield
2.27%
🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

CRDT buys
0
VYM buys
0
No recent congressional trades found for CRDT or VYM in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricCRDTVYM
Forward yield6.91%2.41%
Annual dividend / share$1.55$3.51
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR0%0%
Portfolio after 10y$31.6K$27.8K
Annual income after 10y$1,071.25$278.55
Total dividends collected$8.9K$2.6K
Payment frequencyquarterlyquarterly
SectorStockETF

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

YearCRDT PortfolioCRDT Income/yrVYM PortfolioVYM Income/yrGap
1← crossover$11,391$690.73$11,151$241.44+$240.00CRDT
2$12,923$735.32$12,413$246.79+$510.00CRDT
3$14,608$779.68$13,794$251.79+$814.00CRDT
4$16,454$823.64$15,306$256.47+$1.1KCRDT
5$18,473$867.05$16,960$260.84+$1.5KCRDT
6$20,676$909.75$18,768$264.92+$1.9KCRDT
7$23,074$951.62$20,745$268.71+$2.3KCRDT
8$25,682$992.55$22,905$272.24+$2.8KCRDT
9$28,512$1,032.46$25,265$275.51+$3.2KCRDT
10$31,580$1,071.25$27,842$278.55+$3.7KCRDT

CRDT vs VYM: Complete Analysis 2026

CRDTStock

The Simplify Opportunistic Income ETF (CRDT) seeks to provide current income, with long-term capital appreciation as a secondary objective. CRDT is an actively managed, opportunistic credit strategy focused on security selection within high-yield, investment grade, and distressed debt. By deploying a multi-step investment process that combines macroeconomic, quantitative, and fundamental research, the fund seeks to generate alpha that diversifies the traditional investment portfolio. The strategy is sub-advised by Asterozoa Capital, an alternatives manager focused on opportunistic investing across the capital structure while minimizing risks/correlations through portfolio construction and hedging.

Full CRDT 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.