Is LRLCF or VYM a better dividend investment in 2026?

LRLCF currently yields 1.95% with a 5% 5-year dividend growth rate. VYM yields 2.41% with 7.8% growth. The better choice depends on your goal: VYM offers higher current income.

What is the dividend yield difference between LRLCF and VYM?

LRLCF has a forward dividend yield of 1.95% ($7.91/share annually). VYM yields 2.41% ($3.51/share annually). The yield gap is 0.46 percentage points.

Home › Compare › LRLCF vs VYM

LRLCF vs VYM: Dividend Comparison 2026

LRLCF yields 1.95% · VYM yields 2.41%● Live data

vsPost on X →

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

🏆 LRLCF wins by $7.89M in total portfolio value· pulled ahead in Year 2

INVESTMENT

TIME HORIZON10 years

LRLCF

● Live price

1.95%

Share price

$405.00

Annual div

$7.91

5Y div CAGR

87.3%

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$7.92M

Annual income

$6,654,727.93

Full LRLCF 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 — LRLCF vs VYM

📍 LRLCF pulled ahead of the other in Year 2

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	LRLCF	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, LRLCF + VYM cover 0 of 12 months — good coverage

Jan

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Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

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Oct

—

Nov

—

Dec

—

LRLCF 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.

LRLCF

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

$166.05/yr

After 10yr DRIP, annual income (after tax)

$5,656,518.74/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, LRLCF beats the other by $5,656,281.97/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 LRLCF + VYM for your $10,000?

LRLCF: 50%VYM: 50%

100% VYM50/50100% LRLCF

Portfolio after 10yr

$3.97M

Annual income

$3,327,503.23/yr

Blended yield

83.78%

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

LRLCF buys

VYM buys

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

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

MetricLRLCFVYM

Forward yield	1.95%	2.41% ✓
Annual dividend / share	$7.91 ✓	$3.51
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	87.3% ✓	0%
Portfolio after 10y	$7.92M	$27.8K ✓
Annual income after 10y	$6,654,727.93 ✓	$278.55
Total dividends collected	$7.79M ✓	$2.6K
Payment frequency	quarterly	quarterly
Sector	Stock	ETF

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

Year	LRLCF Portfolio	LRLCF Income/yr	VYM Portfolio	VYM Income/yr	Gap
1	$11,066	$365.91	$11,151	$241.44	$85.00 → VYM
2← crossover	$12,549	$708.78	$12,413	$246.79	+$136.00 → LRLCF
3	$14,835	$1,407.01	$13,794	$251.79	+$1.0K → LRLCF
4	$18,785	$2,911.46	$15,306	$256.47	+$3.5K → LRLCF
5	$26,553	$6,453.39	$16,960	$260.84	+$9.6K → LRLCF
6	$44,380	$15,968.06	$18,768	$264.92	+$25.6K → LRLCF
7	$94,204	$46,717.30	$20,745	$268.71	+$73.5K → LRLCF
8	$274,384	$173,585.98	$22,905	$272.24	+$251.5K → LRLCF
9	$1,178,624	$885,033.26	$25,265	$275.51	+$1.15M → LRLCF
10	$7,915,856	$6,654,727.93	$27,842	$278.55	+$7.89M → LRLCF

LRLCF vs VYM: Complete Analysis 2026

LRLCF — Stock

L'Oréal S.A., through its subsidiaries, manufactures and sells cosmetic products for women and men worldwide. The company operates through four divisions: Consumer Products, L'oréal Luxe, Professional Products, and Active Cosmetics. It offers shampoos, hair care products, shower gels, skin care products, cleansers, hair colors, styling products, deodorants, sun care products, make-up, perfumes, etc. The company provides its products under the L'Oréal Paris, Garnier, Maybelline New York, NYX Professional Makeup, Essie, Niely, Dark and Lovely, Lancôme, Yves Saint Laurent Beauté, Giorgio Armani Beauty, Kiehl's, Urban Decay, Biotherm, Ralph Lauren, IT Cosmetics, L'Oréal Professionnel, Kérastase, Redken, Matrix, Biolage, Pureology, Decléor, Carita, Vichy, La Roche-Posay, SkinCeuticals, Roger&Gallet, CeraVe, Stylenanda, Mixa, Magic Mask, Prada, Helena Rubinstein, Valentino, Mugler, Shu Uemura, Viktor&Rolf, Azzaro, Diesel, Atelier Cologne, Cacharel, and Yue Sai brands. It sells its products through distribution channels, such as hair salons, mass-market retail channels, perfumeries, department stores, pharmacies, drugstores, medispas, branded retail, travel retail, and e-commerce. L'Oréal S.A. was founded in 1909 and is headquartered in Clichy, France.

Full LRLCF 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.