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HFSI vs VYM: Dividend Comparison 2026

HFSI yields 5.66% · VYM yields 2.37%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 HFSI wins by $1.3K in total portfolio value
10 years
HFSI
HFSI
● Live price
5.66%
Share price
$34.72
Annual div
$1.97
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$29.0K
Annual income
$812.33
Full HFSI calculator →
VYM
Vanguard High Dividend Yield ETF
● Live price
2.37%
Share price
$148.10
Annual div
$3.51
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$27.8K
Annual income
$272.94
Full VYM calculator →

Portfolio growth — HFSI vs VYM

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

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

HFSI
Annual income on $10K today (after 15% tax)
$481.14/yr
After 10yr DRIP, annual income (after tax)
$690.48/yr
VYM
Annual income on $10K today (after 15% tax)
$201.60/yr
After 10yr DRIP, annual income (after tax)
$232.00/yr
At 15% tax rate, HFSI beats the other by $458.48/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

HFSI: 50%VYM: 50%
100% VYM50/50100% HFSI
Portfolio after 10yr
$28.4K
Annual income
$542.63/yr
Blended yield
1.91%
🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

HFSI buys
0
VYM buys
0
No recent congressional trades found for HFSI or VYM in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricHFSIVYM
Forward yield5.66% ✓2.37%
Annual dividend / share$1.97$3.51 ✓
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR0%0%
Portfolio after 10y$29.0K ✓$27.8K
Annual income after 10y$812.33 ✓$272.94
Total dividends collected$6.9K ✓$2.6K
Payment frequencyquarterlyquarterly
SectorStockETF

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

YearHFSI PortfolioHFSI Income/yrVYM PortfolioVYM Income/yrGap
1← crossover$11,266$566.05$11,147$237.17+$119.00 → HFSI
2$12,651$595.99$12,404$242.33+$247.00 → HFSI
3$14,162$625.46$13,780$247.16+$382.00 → HFSI
4$15,807$654.36$15,285$251.67+$522.00 → HFSI
5$17,596$682.62$16,932$255.88+$664.00 → HFSI
6$19,538$710.17$18,733$259.81+$805.00 → HFSI
7$21,643$736.95$20,701$263.46+$942.00 → HFSI
8$23,921$762.93$22,852$266.86+$1.1K → HFSI
9$26,384$788.07$25,201$270.01+$1.2K → HFSI
10$29,043$812.33$27,768$272.94+$1.3K → HFSI

HFSI vs VYM: Complete Analysis 2026

HFSI — Stock

Seeks to provide current income and long-term total return.

Full HFSI 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.