Is FLOT or VYM a better dividend investment in 2026?

FLOT currently yields 4.72% with a 5% 5-year dividend growth rate. VYM yields 2.41% with 7.8% growth. The better choice depends on your goal: FLOT offers higher current income.

What is the dividend yield difference between FLOT and VYM?

FLOT has a forward dividend yield of 4.72% ($2.41/share annually). VYM yields 2.41% ($3.51/share annually). The yield gap is 2.31 percentage points.

Home › Compare › FLOT vs VYM

FLOT vs VYM: Dividend Comparison 2026

FLOT yields 4.72% · VYM yields 2.41%● Live data

vsPost on X →

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

🏆 VYM wins by $586.00 in total portfolio value· pulled ahead in Year 5

INVESTMENT

TIME HORIZON10 years

FLOT

● Live price

4.72%

Share price

$50.95

Annual div

$2.41

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$27.3K

Annual income

$638.97

Full FLOT 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 — FLOT vs VYM

📍 VYM pulled ahead of the other in Year 5

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

Jan

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Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

FLOT pays

VYM pays

Both pay

Neither

💰

Tax Bracket Optimizer

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

FLOT

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

$401.40/yr

After 10yr DRIP, annual income (after tax)

$543.12/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, FLOT beats the other by $306.36/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 FLOT + VYM for your $10,000?

FLOT: 50%VYM: 50%

100% VYM50/50100% FLOT

Portfolio after 10yr

$27.5K

Annual income

$458.75/yr

Blended yield

1.67%

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

FLOT 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 →

MetricFLOTVYM

Forward yield	4.72% ✓	2.41%
Annual dividend / share	$2.41	$3.51 ✓
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	0%	0%
Portfolio after 10y	$27.3K	$27.8K ✓
Annual income after 10y	$638.97 ✓	$278.55
Total dividends collected	$5.6K ✓	$2.6K
Payment frequency	quarterly	quarterly
Sector	ETF	ETF

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

Year	FLOT Portfolio	FLOT Income/yr	VYM Portfolio	VYM Income/yr	Gap
1	$11,172	$472.23	$11,151	$241.44	+$21.00 → FLOT
2	$12,447	$493.08	$12,413	$246.79	+$34.00 → FLOT
3	$13,832	$513.41	$13,794	$251.79	+$38.00 → FLOT
4	$15,334	$533.21	$15,306	$256.47	+$28.00 → FLOT
5← crossover	$16,959	$552.42	$16,960	$260.84	$1.00 → VYM
6	$18,717	$571.01	$18,768	$264.92	$51.00 → VYM
7	$20,617	$588.98	$20,745	$268.71	$128.00 → VYM
8	$22,666	$606.30	$22,905	$272.24	$239.00 → VYM
9	$24,876	$622.97	$25,265	$275.51	$389.00 → VYM
10	$27,256	$638.97	$27,842	$278.55	$586.00 → VYM

FLOT vs VYM: Complete Analysis 2026

FLOT — ETF

The iShares Floating Rate Bond ETF seeks to track the investment results of an index composed of U.S. dollar-denominated, investment-grade floating rate bonds with remaining maturities between one month and five years.

Full FLOT 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.