Is JRFIF or VYM a better dividend investment in 2026?

JRFIF currently yields 5.38% with a 5% 5-year dividend growth rate. VYM yields 2.41% with 7.8% growth. The better choice depends on your goal: JRFIF offers higher current income.

What is the dividend yield difference between JRFIF and VYM?

JRFIF has a forward dividend yield of 5.38% ($33.60/share annually). VYM yields 2.41% ($3.51/share annually). The yield gap is 2.97 percentage points.

Home › Compare › JRFIF vs VYM

JRFIF vs VYM: Dividend Comparison 2026

JRFIF yields 5.38% · VYM yields 2.41%● Live data

vsPost on X →

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

🏆 JRFIF wins by $306.3K in total portfolio value

INVESTMENT

TIME HORIZON10 years

JRFIF

● Live price

5.38%

Share price

$623.98

Annual div

$33.60

5Y div CAGR

42.2%

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$334.2K

Annual income

$160,603.62

Full JRFIF 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 — JRFIF vs VYM

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

Jan

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Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

JRFIF 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.

JRFIF

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

$457.65/yr

After 10yr DRIP, annual income (after tax)

$136,513.08/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, JRFIF beats the other by $136,276.31/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 JRFIF + VYM for your $10,000?

JRFIF: 50%VYM: 50%

100% VYM50/50100% JRFIF

Portfolio after 10yr

$181.0K

Annual income

$80,441.08/yr

Blended yield

44.44%

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Analyst Conviction Gap

Where Wall Street is most bullish on JRFIF right now

JRFIF

Analyst Ratings

Buy

Consensus: Buy

Altman Z

1.0

Piotroski

7/9

VYM

No analyst data

Analyst ratings via FMP. Altman Z-Score: >3.0 safe, 1.81–3.0 grey zone, <1.81 distress. Piotroski: 7–9 strong, 0–3 weak.

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Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

JRFIF buys

VYM buys

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

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

MetricJRFIFVYM

Forward yield	5.38% ✓	2.41%
Annual dividend / share	$33.60 ✓	$3.51
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	42.2% ✓	0%
Portfolio after 10y	$334.2K ✓	$27.8K
Annual income after 10y	$160,603.62 ✓	$278.55
Total dividends collected	$293.3K ✓	$2.6K
Payment frequency	quarterly	quarterly
Sector	Stock	ETF

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

Year	JRFIF Portfolio	JRFIF Income/yr	VYM Portfolio	VYM Income/yr	Gap
1← crossover	$11,466	$765.62	$11,151	$241.44	+$315.00 → JRFIF
2	$13,435	$1,166.61	$12,413	$246.79	+$1.0K → JRFIF
3	$16,192	$1,816.67	$13,794	$251.79	+$2.4K → JRFIF
4	$20,235	$2,909.76	$15,306	$256.47	+$4.9K → JRFIF
5	$26,484	$4,832.60	$16,960	$260.84	+$9.5K → JRFIF
6	$36,744	$8,405.77	$18,768	$264.92	+$18.0K → JRFIF
7	$54,814	$15,498.55	$20,745	$268.71	+$34.1K → JRFIF
8	$89,378	$30,726.82	$22,905	$272.24	+$66.5K → JRFIF
9	$162,219	$66,584.06	$25,265	$275.51	+$137.0K → JRFIF
10	$334,178	$160,603.62	$27,842	$278.55	+$306.3K → JRFIF

JRFIF vs VYM: Complete Analysis 2026

JRFIF — Stock

Japan Retail Fund Investment Corporation (JRF) has been listed on the Real Estate Investment Trust ("REIT") Section on the Tokyo Stock Exchange (Securities code: 8953) since March 2002. It was the first investment corporation in Japan to specifically target retail property assets. As the largest J-REIT that specializes in retail properties, JRF will strive to secure stable distributions for its unitholders and steady increases in the value of its property portfolio through selective acquisitions of prime retail properties.

Full JRFIF 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.