HomeCompareHLFN vs VIG

HLFN vs VIG: Dividend Comparison 2026

HLFN yields 5.10% · VIG yields 1.61%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 HLFN wins by $9.8K in total portfolio value· pulled ahead in Year 2
10 years
HLFN
HLFN
● Live price
5.10%
Share price
$41.18
Annual div
$2.10
5Y div CAGR
15.4%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$42.1K
Annual income
$4,120.43
Full HLFN calculator →
VIG
Vanguard Dividend Appreciation ETF
● Live price
1.61%
Share price
$215.06
Annual div
$3.45
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$32.3K
Annual income
$175.21
Full VIG calculator →

Portfolio growth — HLFN vs VIG

📍 HLFN pulled ahead of the other in Year 2

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 PeriodHLFNVIG
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, HLFN + VIG cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
HLFN pays
VIG pays
Both pay
Neither
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Tax Bracket Optimizer

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

HLFN
Annual income on $10K today (after 15% tax)
$433.46/yr
After 10yr DRIP, annual income (after tax)
$3,502.37/yr
VIG
Annual income on $10K today (after 15% tax)
$136.50/yr
After 10yr DRIP, annual income (after tax)
$148.93/yr
At 15% tax rate, HLFN beats the other by $3,353.44/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of HLFN + VIG for your $10,000?

HLFN: 50%VIG: 50%
100% VIG50/50100% HLFN
Portfolio after 10yr
$37.2K
Annual income
$2,147.81/yr
Blended yield
5.78%
🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

HLFN buys
0
VIG buys
0
No recent congressional trades found for HLFN or VIG in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricHLFNVIG
Forward yield5.10%1.61%
Annual dividend / share$2.10$3.45
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR15.4%0%
Portfolio after 10y$42.1K$32.3K
Annual income after 10y$4,120.43$175.21
Total dividends collected$18.2K$1.7K
Payment frequencyquarterlyquarterly
SectorStockETF

Year-by-year: HLFN vs VIG ($10,000, DRIP)

YearHLFN PortfolioHLFN Income/yrVIG PortfolioVIG Income/yrGap
1$11,288$588.49$11,301$160.59$13.00VIG
2← crossover$12,795$716.47$12,752$162.91+$43.00HLFN
3$14,567$875.85$14,370$165.02+$197.00HLFN
4$16,662$1,075.39$16,176$166.93+$486.00HLFN
5$19,155$1,326.62$18,188$168.67+$967.00HLFN
6$22,140$1,644.84$20,432$170.25+$1.7KHLFN
7$25,741$2,050.48$22,933$171.68+$2.8KHLFN
8$30,114$2,571.06$25,720$172.98+$4.4KHLFN
9$35,465$3,243.97$28,827$174.15+$6.6KHLFN
10$42,068$4,120.43$32,288$175.21+$9.8KHLFN

HLFN vs VIG: Complete Analysis 2026

HLFNStock

Home Loan Financial Corporation, a unitary thrift holding company, provides various banking products and services in the United States. The company's primary deposit products include checking, savings, and term certificate accounts; and lending products comprise residential mortgage, nonresidential mortgage, residential construction and land, commercial, and consumer loans. It also provides consumer credits, such as home improvement loans, education loans, loans secured by savings accounts, motor vehicle loans, unsecured loans, and credit cards. In addition, the company sells life insurance, annuity, long-term care insurance, and investment products. It provides financial services through its main office in Coshocton, Ohio; and branch offices in Coshocton, Mount Vernon, and West Lafayette, Ohio. The company was incorporated in 1997 and is based in Coshocton, Ohio.

Full HLFN Calculator →

VIGETF

Seeks to track the performance of the S&P U.S. Dividend Growers Index.Passively managed, full-replication approach.Fund remains fully invested.Large-cap equity, emphasizing stocks with a record of growing their dividends year over year.Low expenses minimize net tracking error.With respect to 75% of its total assets, the fund may not: (1) purchase more than 10% of the outstanding voting securities of any one issuer or (2) purchase securities of any issuer if, as a result, more than 5% of the fund’s total assets would be invested in that issuer’s securities; except as may be necessary to approximate the composition of its target index. This limitation does not apply to obligations of the U.S. government or its agencies or instrumentalities.

Full VIG 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.