Is IIMFX or VYM a better dividend investment in 2026?

IIMFX currently yields 10.26% with a 5% 5-year dividend growth rate. VYM yields 2.41% with 7.8% growth. The better choice depends on your goal: IIMFX offers higher current income.

What is the dividend yield difference between IIMFX and VYM?

IIMFX has a forward dividend yield of 10.26% ($2.28/share annually). VYM yields 2.41% ($3.51/share annually). The yield gap is 7.85 percentage points.

Home › Compare › IIMFX vs VYM

IIMFX vs VYM: Dividend Comparison 2026

IIMFX yields 10.26% · VYM yields 2.41%● Live data

vsPost on X →

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

🏆 IIMFX wins by $11.6K in total portfolio value

INVESTMENT

TIME HORIZON10 years

IIMFX

● Live price

10.26%

Share price

$22.22

Annual div

$2.28

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$39.4K

Annual income

$1,952.83

Full IIMFX 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 — IIMFX vs VYM

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

Jan

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Feb

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Mar

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Apr

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May

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Jun

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Jul

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Sep

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Oct

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Nov

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Dec

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IIMFX 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.

IIMFX

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

$871.81/yr

After 10yr DRIP, annual income (after tax)

$1,659.91/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, IIMFX beats the other by $1,423.14/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 IIMFX + VYM for your $10,000?

IIMFX: 50%VYM: 50%

100% VYM50/50100% IIMFX

Portfolio after 10yr

$33.6K

Annual income

$1,115.68/yr

Blended yield

3.32%

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

IIMFX 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 →

MetricIIMFXVYM

Forward yield	10.26% ✓	2.41%
Annual dividend / share	$2.28	$3.51 ✓
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	0%	0%
Portfolio after 10y	$39.4K ✓	$27.8K
Annual income after 10y	$1,952.83 ✓	$278.55
Total dividends collected	$14.9K ✓	$2.6K
Payment frequency	quarterly	quarterly
Sector	Stock	ETF

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

Year	IIMFX Portfolio	IIMFX Income/yr	VYM Portfolio	VYM Income/yr	Gap
1← crossover	$11,726	$1,025.66	$11,151	$241.44	+$575.00 → IIMFX
2	$13,670	$1,123.97	$12,413	$246.79	+$1.3K → IIMFX
3	$15,852	$1,224.66	$13,794	$251.79	+$2.1K → IIMFX
4	$18,289	$1,327.20	$15,306	$256.47	+$3.0K → IIMFX
5	$21,000	$1,431.05	$16,960	$260.84	+$4.0K → IIMFX
6	$24,006	$1,535.70	$18,768	$264.92	+$5.2K → IIMFX
7	$27,327	$1,640.65	$20,745	$268.71	+$6.6K → IIMFX
8	$30,985	$1,745.44	$22,905	$272.24	+$8.1K → IIMFX
9	$35,004	$1,849.64	$25,265	$275.51	+$9.7K → IIMFX
10	$39,407	$1,952.83	$27,842	$278.55	+$11.6K → IIMFX

IIMFX vs VYM: Complete Analysis 2026

IIMFX — Stock

Bluerock High Income Institutional Credit Fund is a closed-end investment fund, which engages in investment activities. Its investment objective is to generate income, while secondarily seeking long-term risk-adjusted returns to the broader markets. The company was founded on August 19, 2021 and is headquartered in New York, NY.

Full IIMFX 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.