Is DFSB or VYM a better dividend investment in 2026?

DFSB currently yields 3.89% with a 5% 5-year dividend growth rate. VYM yields 2.41% with 7.8% growth. The better choice depends on your goal: DFSB offers higher current income.

What is the dividend yield difference between DFSB and VYM?

DFSB has a forward dividend yield of 3.89% ($2.01/share annually). VYM yields 2.41% ($3.51/share annually). The yield gap is 1.48 percentage points.

Home › Compare › DFSB vs VYM

DFSB vs VYM: Dividend Comparison 2026

DFSB yields 3.89% · VYM yields 2.41%● Live data

vsPost on X →

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

🏆 VYM wins by $2.1K in total portfolio value

INVESTMENT

TIME HORIZON10 years

DFSB

● Live price

3.89%

Share price

$51.77

Annual div

$2.01

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$25.8K

Annual income

$499.74

Full DFSB 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 — DFSB vs VYM

📍 VYM 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 Period	DFSB	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%.

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Dividend Calendar Overlap

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

Jan

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Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

DFSB 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.

DFSB

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

$330.83/yr

After 10yr DRIP, annual income (after tax)

$424.78/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, DFSB beats the other by $188.01/year in after-tax income after 10 years on $10,000

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Lazy Portfolio Split Optimizer

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

DFSB: 50%VYM: 50%

100% VYM50/50100% DFSB

Portfolio after 10yr

$26.8K

Annual income

$389.14/yr

Blended yield

1.45%

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Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

DFSB 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 →

MetricDFSBVYM

Forward yield	3.89% ✓	2.41%
Annual dividend / share	$2.01	$3.51 ✓
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	0%	0%
Portfolio after 10y	$25.8K	$27.8K ✓
Annual income after 10y	$499.74 ✓	$278.55
Total dividends collected	$4.5K ✓	$2.6K
Payment frequency	quarterly	quarterly
Sector	Stock	ETF

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

Year	DFSB Portfolio	DFSB Income/yr	VYM Portfolio	VYM Income/yr	Gap
1← crossover	$11,089	$389.21	$11,151	$241.44	$62.00 → VYM
2	$12,269	$403.37	$12,413	$246.79	$144.00 → VYM
3	$13,545	$417.08	$13,794	$251.79	$249.00 → VYM
4	$14,923	$430.33	$15,306	$256.47	$383.00 → VYM
5	$16,411	$443.11	$16,960	$260.84	$549.00 → VYM
6	$18,015	$455.40	$18,768	$264.92	$753.00 → VYM
7	$19,743	$467.22	$20,745	$268.71	$1.0K → VYM
8	$21,604	$478.54	$22,905	$272.24	$1.3K → VYM
9	$23,606	$489.38	$25,265	$275.51	$1.7K → VYM
10	$25,758	$499.74	$27,842	$278.55	$2.1K → VYM

DFSB vs VYM: Complete Analysis 2026

DFSB — Stock

The fund invests in a broad portfolio of investment grade debt securities (e.g., rated BBB- or above by S&P or Fitch or Baa3 or above by Moody’s of U.S. and non-U.S. corporate and government issuers, including mortgage-backed securities, while excluding or underweighting securities of corporate and certain non-sovereign government issuers based upon the Portfolio’s sustainability impact considerations.

Full DFSB 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 →

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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.