Is INCPY or VYM a better dividend investment in 2026?

INCPY currently yields 18.87% with a 5% 5-year dividend growth rate. VYM yields 2.41% with 7.8% growth. The better choice depends on your goal: INCPY offers higher current income.

What is the dividend yield difference between INCPY and VYM?

INCPY has a forward dividend yield of 18.87% ($1.63/share annually). VYM yields 2.41% ($3.51/share annually). The yield gap is 16.46 percentage points.

Home › Compare › INCPY vs VYM

INCPY vs VYM: Dividend Comparison 2026

INCPY yields 18.87% · VYM yields 2.41%● Live data

vsPost on X →

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

🏆 VYM wins by $3.6K in total portfolio value· pulled ahead in Year 6

INVESTMENT

TIME HORIZON10 years

INCPY

● Live price

18.87%

Share price

$8.62

Annual div

$1.63

5Y div CAGR

-43.1%

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$24.2K

Annual income

$8.26

Full INCPY 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 — INCPY vs VYM

📍 VYM pulled ahead of the other in Year 6

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 Period	INCPY	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%.

📅

Dividend Calendar Overlap

Combined, INCPY + VYM cover 0 of 12 months — good coverage

Jan

—

Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

INCPY pays

VYM pays

Both pay

Neither

💰

Tax Bracket Optimizer

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

INCPY

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

$1,603.86/yr

After 10yr DRIP, annual income (after tax)

$7.02/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, VYM beats the other by $229.75/year in after-tax income after 10 years on $10,000

⚖️

Lazy Portfolio Split Optimizer

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

INCPY: 50%VYM: 50%

100% VYM50/50100% INCPY

Portfolio after 10yr

$26.0K

Annual income

$143.40/yr

Blended yield

0.55%

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

INCPY buys

VYM buys

No recent congressional trades found for INCPY or VYM in the last 90 days.

STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →

MetricINCPYVYM

Forward yield	18.87% ✓	2.41%
Annual dividend / share	$1.63	$3.51 ✓
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	-43.1%	0% ✓
Portfolio after 10y	$24.2K	$27.8K ✓
Annual income after 10y	$8.26	$278.55 ✓
Total dividends collected	$2.7K ✓	$2.6K
Payment frequency	quarterly	quarterly
Sector	Stock	ETF

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

Year	INCPY Portfolio	INCPY Income/yr	VYM Portfolio	VYM Income/yr	Gap
1	$11,774	$1,073.64	$11,151	$241.44	+$623.00 → INCPY
2	$13,270	$672.20	$12,413	$246.79	+$857.00 → INCPY
3	$14,602	$402.89	$13,794	$251.79	+$808.00 → INCPY
4	$15,860	$235.75	$15,306	$256.47	+$554.00 → INCPY
5	$17,106	$136.17	$16,960	$260.84	+$146.00 → INCPY
6← crossover	$18,382	$78.10	$18,768	$264.92	$386.00 → VYM
7	$19,713	$44.63	$20,745	$268.71	$1.0K → VYM
8	$21,118	$25.45	$22,905	$272.24	$1.8K → VYM
9	$22,611	$14.50	$25,265	$275.51	$2.7K → VYM
10	$24,202	$8.26	$27,842	$278.55	$3.6K → VYM

INCPY vs VYM: Complete Analysis 2026

INCPY — Stock

Inchcape plc operates as an automotive distributor and retailer. The company engages in the distribution, sales, and marketing of new and used cars, and parts. It also provides aftersales service and body shop repairs; and finance and insurance products and services. The company operates in the Asia Pacific, the United Kingdom, rest of Europe, the Americas, and Africa. Inchcape plc was founded in 1847 and is headquartered in London, the United Kingdom.

Full INCPY 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 →

📬

Get this INCPY vs VYM comparison by email

Save your analysis + weekly dividend insights. Free forever.

More comparisons

INCPY vs SCHD INCPY vs JEPI INCPY vs O INCPY vs KO INCPY vs MAIN INCPY vs VIG INCPY vs DGRO INCPY vs HDV

⚠️ Educational purposes only. Not financial advice. Congressional trades sourced from SEC STOCK Act filings via FMP. Past performance does not guarantee future results.