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HYSA vs DVY: Dividend Comparison 2026

HYSA yields 6.84% · DVY yields 3.46%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 HYSA wins by $6.4K in total portfolio value
10 years
HYSA
HYSA
● Live price
6.84%
Share price
$14.80
Annual div
$1.01
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$31.4K
Annual income
$1,055.44
Full HYSA calculator →
DVY
DVY
● Live price
3.46%
Share price
$151.41
Annual div
$5.25
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$25.0K
Annual income
$432.91
Full DVY calculator →

Portfolio growth — HYSA vs DVY

📍 HYSA pulled ahead of the other in Year 1

Annual dividend income

🛡️

Recession Test — Did They Cut Dividends?

How each stock treated shareholders during the 3 biggest crises of the last 20 years

Crisis PeriodHYSADVY
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%.
📅

Dividend Calendar Overlap

Combined, HYSA + DVY cover 0 of 12 months — good coverage

Jan
—
Feb
—
Mar
—
Apr
—
May
—
Jun
—
Jul
—
Aug
—
Sep
—
Oct
—
Nov
—
Dec
—
HYSA pays
DVY pays
Both pay
Neither
💰

Tax Bracket Optimizer

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

HYSA
Annual income on $10K today (after 15% tax)
$581.03/yr
After 10yr DRIP, annual income (after tax)
$897.12/yr
DVY
Annual income on $10K today (after 15% tax)
$294.47/yr
After 10yr DRIP, annual income (after tax)
$367.97/yr
At 15% tax rate, HYSA beats the other by $529.15/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of HYSA + DVY for your $10,000?

HYSA: 50%DVY: 50%
100% DVY50/50100% HYSA
Portfolio after 10yr
$28.2K
Annual income
$744.17/yr
Blended yield
2.64%
🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

HYSA buys
0
DVY buys
0
No recent congressional trades found for HYSA or DVY in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricHYSADVY
Forward yield6.84% ✓3.46%
Annual dividend / share$1.01$5.25 ✓
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR0%0%
Portfolio after 10y$31.4K ✓$25.0K
Annual income after 10y$1,055.44 ✓$432.91
Total dividends collected$8.7K ✓$3.9K
Payment frequencyquarterlyquarterly
SectorStockETF

Year-by-year: HYSA vs DVY ($10,000, DRIP)

YearHYSA PortfolioHYSA Income/yrDVY PortfolioDVY Income/yrGap
1← crossover$11,384$683.57$11,046$346.43+$338.00 → HYSA
2$12,908$727.24$12,177$357.65+$731.00 → HYSA
3$14,582$770.66$13,398$368.47+$1.2K → HYSA
4$16,416$813.66$14,715$378.89+$1.7K → HYSA
5$18,421$856.09$16,134$388.90+$2.3K → HYSA
6$20,609$897.82$17,662$398.51+$2.9K → HYSA
7$22,990$938.71$19,306$407.71+$3.7K → HYSA
8$25,578$978.67$21,074$416.50+$4.5K → HYSA
9$28,386$1,017.61$22,974$424.90+$5.4K → HYSA
10$31,429$1,055.44$25,015$432.91+$6.4K → HYSA

HYSA vs DVY: Complete Analysis 2026

HYSA — Stock

The fund is “actively managed” and does not seek to replicate the performance of a specified index. The fund is newly organized and operates as a “fund of funds,” meaning that it primarily invests its assets in securities of other ETFs. The fund is non-diversified.

Full HYSA Calculator →

DVY — ETF

The iShares Select Dividend ETF seeks to track the investment results of an index composed of relatively high dividend paying U.S. equities.

Full DVY 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.