Is FNCF or VYM a better dividend investment in 2026?

FNCF currently yields 5.79% with a 5% 5-year dividend growth rate. VYM yields 2.41% with 7.8% growth. The better choice depends on your goal: FNCF offers higher current income.

What is the dividend yield difference between FNCF and VYM?

FNCF has a forward dividend yield of 5.79% ($2.00/share annually). VYM yields 2.41% ($3.51/share annually). The yield gap is 3.38 percentage points.

Home › Compare › FNCF vs VYM

FNCF vs VYM: Dividend Comparison 2026

FNCF yields 5.79% · VYM yields 2.41%● Live data

vsPost on X →

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

🏆 FNCF wins by $1.5K in total portfolio value

INVESTMENT

TIME HORIZON10 years

FNCF

● Live price

5.79%

Share price

$34.52

Annual div

$2.00

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$29.3K

Annual income

$838.41

Full FNCF 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 — FNCF vs VYM

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

Jan

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Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

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Oct

—

Nov

—

Dec

—

FNCF pays

VYM pays

Both pay

Neither

💰

Tax Bracket Optimizer

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

FNCF

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

$492.47/yr

After 10yr DRIP, annual income (after tax)

$712.65/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, FNCF beats the other by $475.88/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 FNCF + VYM for your $10,000?

FNCF: 50%VYM: 50%

100% VYM50/50100% FNCF

Portfolio after 10yr

$28.6K

Annual income

$558.47/yr

Blended yield

1.95%

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

FNCF 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 →

MetricFNCFVYM

Forward yield	5.79% ✓	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	$29.3K ✓	$27.8K
Annual income after 10y	$838.41 ✓	$278.55
Total dividends collected	$7.1K ✓	$2.6K
Payment frequency	quarterly	quarterly
Sector	Stock	ETF

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

Year	FNCF Portfolio	FNCF Income/yr	VYM Portfolio	VYM Income/yr	Gap
1← crossover	$11,279	$579.37	$11,151	$241.44	+$128.00 → FNCF
2	$12,680	$610.75	$12,413	$246.79	+$267.00 → FNCF
3	$14,209	$641.65	$13,794	$251.79	+$415.00 → FNCF
4	$15,876	$672.00	$15,306	$256.47	+$570.00 → FNCF
5	$17,689	$701.70	$16,960	$260.84	+$729.00 → FNCF
6	$19,657	$730.69	$18,768	$264.92	+$889.00 → FNCF
7	$21,792	$758.90	$20,745	$268.71	+$1.0K → FNCF
8	$24,104	$786.28	$22,905	$272.24	+$1.2K → FNCF
9	$26,604	$812.79	$25,265	$275.51	+$1.3K → FNCF
10	$29,305	$838.41	$27,842	$278.55	+$1.5K → FNCF

FNCF vs VYM: Complete Analysis 2026

FNCF — Stock

FNCF is a dividend-paying stock. Use this calculator to estimate your future dividend income, DRIP compounding returns, and passive income potential from investing in FNCF shares.

Full FNCF 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.