HomeCompareHCYAX vs VYM

HCYAX vs VYM: Dividend Comparison 2026

HCYAX yields 6.58% · VYM yields 2.41%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 HCYAX wins by $3.1K in total portfolio value
10 years
HCYAX
HCYAX
● Live price
6.58%
Share price
$17.69
Annual div
$1.16
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$30.9K
Annual income
$1,000.26
Full HCYAX calculator →
VYM
Vanguard High Dividend Yield ETF
● Live price
2.41%
Share price
$145.48
Annual div
$3.51
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$27.8K
Annual income
$278.55
Full VYM calculator →

Portfolio growth — HCYAX vs VYM

📍 HCYAX 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 PeriodHCYAXVYM
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, HCYAX + VYM cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
HCYAX 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.

HCYAX
Annual income on $10K today (after 15% tax)
$559.41/yr
After 10yr DRIP, annual income (after tax)
$850.22/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, HCYAX beats the other by $613.45/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

HCYAX: 50%VYM: 50%
100% VYM50/50100% HCYAX
Portfolio after 10yr
$29.4K
Annual income
$639.40/yr
Blended yield
2.18%
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Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

HCYAX buys
0
VYM buys
1
PoliticianChamberTickerTypeAmountDate
Carol Devine Miller🏢 House$VYM▲ Buy$15,001 - $50,0002022-11-02
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricHCYAXVYM
Forward yield6.58%2.41%
Annual dividend / share$1.16$3.51
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR0%0%
Portfolio after 10y$30.9K$27.8K
Annual income after 10y$1,000.26$278.55
Total dividends collected$8.3K$2.6K
Payment frequencyquarterlyquarterly
SectorStockETF

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

YearHCYAX PortfolioHCYAX Income/yrVYM PortfolioVYM Income/yrGap
1← crossover$11,358$658.13$11,151$241.44+$207.00HCYAX
2$12,852$698.62$12,413$246.79+$439.00HCYAX
3$14,490$738.77$13,794$251.79+$696.00HCYAX
4$16,283$778.46$15,306$256.47+$977.00HCYAX
5$18,240$817.55$16,960$260.84+$1.3KHCYAX
6$20,373$855.91$18,768$264.92+$1.6KHCYAX
7$22,693$893.45$20,745$268.71+$1.9KHCYAX
8$25,211$930.07$22,905$272.24+$2.3KHCYAX
9$27,942$965.69$25,265$275.51+$2.7KHCYAX
10$30,898$1,000.26$27,842$278.55+$3.1KHCYAX

HCYAX vs VYM: Complete Analysis 2026

HCYAXStock

The fund utilizes a disciplined approach to balancing fixed income investments with historically higher income producing equity investments, with a focus on minimizing absolute risk and volatility. The fund's subadviser generally seeks to mitigate portfolio risk and volatility by creating a diversified portfolio of income producing securities that also offer the potential for capital appreciation but also may invest in options to attempt to hedge volatility and portfolio risks.

Full HCYAX Calculator →

VYMETF

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.