Is CSPF or VYM a better dividend investment in 2026?

CSPF currently yields 5.31% with a 5% 5-year dividend growth rate. VYM yields 2.41% with 7.8% growth. The better choice depends on your goal: CSPF offers higher current income.

What is the dividend yield difference between CSPF and VYM?

CSPF has a forward dividend yield of 5.31% ($1.35/share annually). VYM yields 2.41% ($3.51/share annually). The yield gap is 2.90 percentage points.

Home › Compare › CSPF vs VYM

CSPF vs VYM: Dividend Comparison 2026

CSPF yields 5.31% · VYM yields 2.41%● Live data

vsPost on X →

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

🏆 CSPF wins by $526.00 in total portfolio value

INVESTMENT

TIME HORIZON10 years

CSPF

● Live price

5.31%

Share price

$25.45

Annual div

$1.35

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$28.4K

Annual income

$745.94

Full CSPF 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 — CSPF vs VYM

📍 CSPF pulled ahead of the other in Year 1

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	CSPF	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, CSPF + VYM cover 0 of 12 months — good coverage

Jan

—

Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

CSPF pays

VYM pays

Both pay

Neither

💰

Tax Bracket Optimizer

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

CSPF

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

$451.55/yr

After 10yr DRIP, annual income (after tax)

$634.05/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, CSPF beats the other by $397.28/year in after-tax income after 10 years on $10,000

⚖️

Lazy Portfolio Split Optimizer

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

CSPF: 50%VYM: 50%

100% VYM50/50100% CSPF

Portfolio after 10yr

$28.1K

Annual income

$512.24/yr

Blended yield

1.82%

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

CSPF buys

VYM buys

Politician	Chamber	Ticker	Type	Amount	Date
Carol Devine Miller	🏢 House	$VYM	▲ Buy	$15,001 - $50,000	2022-11-02

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

MetricCSPFVYM

Forward yield	5.31% ✓	2.41%
Annual dividend / share	$1.35	$3.51 ✓
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	0%	0%
Portfolio after 10y	$28.4K ✓	$27.8K
Annual income after 10y	$745.94 ✓	$278.55
Total dividends collected	$6.4K ✓	$2.6K
Payment frequency	quarterly	quarterly
Sector	Stock	ETF

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

Year	CSPF Portfolio	CSPF Income/yr	VYM Portfolio	VYM Income/yr	Gap
1← crossover	$11,231	$531.24	$11,151	$241.44	+$80.00 → CSPF
2	$12,575	$557.61	$12,413	$246.79	+$162.00 → CSPF
3	$14,039	$583.49	$13,794	$251.79	+$245.00 → CSPF
4	$15,630	$608.79	$15,306	$256.47	+$324.00 → CSPF
5	$17,358	$633.46	$16,960	$260.84	+$398.00 → CSPF
6	$19,230	$657.46	$18,768	$264.92	+$462.00 → CSPF
7	$21,257	$680.73	$20,745	$268.71	+$512.00 → CSPF
8	$23,448	$703.25	$22,905	$272.24	+$543.00 → CSPF
9	$25,815	$724.99	$25,265	$275.51	+$550.00 → CSPF
10	$28,368	$745.94	$27,842	$278.55	+$526.00 → CSPF

CSPF vs VYM: Complete Analysis 2026

CSPF — Stock

Allocating to this portfolio offers the potential for high tax-efficient income and diversification through active management of a portfolio with a focus on investment-grade, institutional preferred securities.

Full CSPF 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 CSPF vs VYM comparison by email

Save your analysis + weekly dividend insights. Free forever.

More comparisons

CSPF vs SCHD CSPF vs JEPI CSPF vs O CSPF vs KO CSPF vs MAIN CSPF vs VIG CSPF vs DGRO CSPF 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.