Is MIOFF or VYM a better dividend investment in 2026?

MIOFF currently yields 0.99% 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 MIOFF and VYM?

MIOFF has a forward dividend yield of 0.99% ($0.52/share annually). VYM yields 2.41% ($3.51/share annually). The yield gap is 1.42 percentage points.

Home › Compare › MIOFF vs VYM

MIOFF vs VYM: Dividend Comparison 2026

MIOFF yields 0.99% · VYM yields 2.41%● Live data

vsPost on X →

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

🏆 MIOFF wins by $31.5K in total portfolio value· pulled ahead in Year 6

INVESTMENT

TIME HORIZON10 years

MIOFF

● Live price

0.99%

Share price

$52.60

Annual div

$0.52

5Y div CAGR

54.3%

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$59.4K

Annual income

$16,520.57

Full MIOFF 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 — MIOFF vs VYM

📍 MIOFF pulled ahead of the other in Year 6

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

Jan

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Feb

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Mar

—

Apr

—

May

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Jun

—

Jul

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Aug

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Sep

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Oct

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Nov

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Dec

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MIOFF 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.

MIOFF

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

$84.24/yr

After 10yr DRIP, annual income (after tax)

$14,042.48/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, MIOFF beats the other by $13,805.72/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 MIOFF + VYM for your $10,000?

MIOFF: 50%VYM: 50%

100% VYM50/50100% MIOFF

Portfolio after 10yr

$43.6K

Annual income

$8,399.55/yr

Blended yield

19.26%

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Analyst Conviction Gap

Where Wall Street is split right now

MIOFF

Analyst Ratings

Hold

Consensus: Hold

Altman Z

22.1

Piotroski

3/9

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)

MIOFF 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 →

MetricMIOFFVYM

Forward yield	0.99%	2.41% ✓
Annual dividend / share	$0.52	$3.51 ✓
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	54.3% ✓	0%
Portfolio after 10y	$59.4K ✓	$27.8K
Annual income after 10y	$16,520.57 ✓	$278.55
Total dividends collected	$36.2K ✓	$2.6K
Payment frequency	quarterly	quarterly
Sector	Stock	ETF

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

Year	MIOFF Portfolio	MIOFF Income/yr	VYM Portfolio	VYM Income/yr	Gap
1	$10,853	$152.91	$11,151	$241.44	$298.00 → VYM
2	$11,852	$239.32	$12,413	$246.79	$561.00 → VYM
3	$13,058	$376.87	$13,794	$251.79	$736.00 → VYM
4	$14,571	$598.80	$15,306	$256.47	$735.00 → VYM
5	$16,555	$963.54	$16,960	$260.84	$405.00 → VYM
6← crossover	$19,292	$1,578.63	$18,768	$264.92	+$524.00 → MIOFF
7	$23,296	$2,652.90	$20,745	$268.71	+$2.6K → MIOFF
8	$29,546	$4,619.49	$22,905	$272.24	+$6.6K → MIOFF
9	$40,063	$8,448.84	$25,265	$275.51	+$14.8K → MIOFF
10	$59,388	$16,520.57	$27,842	$278.55	+$31.5K → MIOFF

MIOFF vs VYM: Complete Analysis 2026

MIOFF — Stock

Milbon Co., Ltd. manufactures and sells hair products for salons in Japan. The company offers hair color and styling agents, perming agents, shampoos, hair treatment products, and medicinal hair growth promoters, as well as skin care and cosmetic products. It also exports its products. The company was formerly known as Yutaka Beauty Chemicals Co., Ltd. and changed its name to Milbon Co., Ltd. in January 1965. Milbon Co., Ltd. was founded in 1960 and is headquartered in Tokyo, Japan.

Full MIOFF 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.