Is CYFRF or VYM a better dividend investment in 2026?

CYFRF currently yields 21.90% with a 5% 5-year dividend growth rate. VYM yields 2.41% with 7.8% growth. The better choice depends on your goal: CYFRF offers higher current income.

What is the dividend yield difference between CYFRF and VYM?

CYFRF has a forward dividend yield of 21.90% ($2.00/share annually). VYM yields 2.41% ($3.51/share annually). The yield gap is 19.49 percentage points.

Home › Compare › CYFRF vs VYM

CYFRF vs VYM: Dividend Comparison 2026

CYFRF yields 21.90% · VYM yields 2.41%● Live data

vsPost on X →

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

🏆 CYFRF wins by $54.1K in total portfolio value

INVESTMENT

TIME HORIZON10 years

CYFRF

● Live price

21.90%

Share price

$9.13

Annual div

$2.00

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$82.0K

Annual income

$8,210.33

Full CYFRF 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 — CYFRF vs VYM

📍 CYFRF 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	CYFRF	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, CYFRF + VYM cover 0 of 12 months — good coverage

Jan

—

Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

CYFRF pays

VYM pays

Both pay

Neither

💰

Tax Bracket Optimizer

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

CYFRF

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

$1,861.18/yr

After 10yr DRIP, annual income (after tax)

$6,978.78/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, CYFRF beats the other by $6,742.01/year in after-tax income after 10 years on $10,000

⚖️

Lazy Portfolio Split Optimizer

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

CYFRF: 50%VYM: 50%

100% VYM50/50100% CYFRF

Portfolio after 10yr

$54.9K

Annual income

$4,244.43/yr

Blended yield

7.73%

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

CYFRF 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 →

MetricCYFRFVYM

Forward yield	21.90% ✓	2.41%
Annual dividend / share	$2.00	$3.51 ✓
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	0%	0%
Portfolio after 10y	$82.0K ✓	$27.8K
Annual income after 10y	$8,210.33 ✓	$278.55
Total dividends collected	$48.8K ✓	$2.6K
Payment frequency	quarterly	quarterly
Sector	Stock	ETF

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

Year	CYFRF Portfolio	CYFRF Income/yr	VYM Portfolio	VYM Income/yr	Gap
1← crossover	$12,890	$2,189.62	$11,151	$241.44	+$1.7K → CYFRF
2	$16,430	$2,637.70	$12,413	$246.79	+$4.0K → CYFRF
3	$20,722	$3,142.16	$13,794	$251.79	+$6.9K → CYFRF
4	$25,876	$3,703.78	$15,306	$256.47	+$10.6K → CYFRF
5	$32,010	$4,322.48	$16,960	$260.84	+$15.1K → CYFRF
6	$39,248	$4,997.30	$18,768	$264.92	+$20.5K → CYFRF
7	$47,722	$5,726.42	$20,745	$268.71	+$27.0K → CYFRF
8	$57,570	$6,507.27	$22,905	$272.24	+$34.7K → CYFRF
9	$68,936	$7,336.54	$25,265	$275.51	+$43.7K → CYFRF
10	$81,972	$8,210.33	$27,842	$278.55	+$54.1K → CYFRF

CYFRF vs VYM: Complete Analysis 2026

CYFRF — Stock

Cypherpunk Holdings Inc. invests in cryptocurrencies and blockchain technologies. It invests in various cryptocurrencies, such as Bitcoin and Ethereum. The company was formerly known as Khan Resources Inc. and changed its name to Cypherpunk Holdings Inc. in November 2018. The company was founded in 1995 and is headquartered in Toronto, Canada.

Full CYFRF 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 CYFRF vs VYM comparison by email

Save your analysis + weekly dividend insights. Free forever.

More comparisons

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