Is NILRF or VYM a better dividend investment in 2026?

NILRF currently yields 41.49% with a 5% 5-year dividend growth rate. VYM yields 2.41% with 7.8% growth. The better choice depends on your goal: NILRF offers higher current income.

What is the dividend yield difference between NILRF and VYM?

NILRF has a forward dividend yield of 41.49% ($2.00/share annually). VYM yields 2.41% ($3.51/share annually). The yield gap is 39.08 percentage points.

Home › Compare › NILRF vs VYM

NILRF vs VYM: Dividend Comparison 2026

NILRF yields 41.49% · VYM yields 2.41%● Live data

vsPost on X →

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

🏆 NILRF wins by $223.6K in total portfolio value

INVESTMENT

TIME HORIZON10 years

NILRF

● Live price

41.49%

Share price

$4.82

Annual div

$2.00

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$251.4K

Annual income

$43,799.10

Full NILRF 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 — NILRF vs VYM

📍 NILRF 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	NILRF	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, NILRF + 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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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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NILRF 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.

NILRF

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

$3,526.97/yr

After 10yr DRIP, annual income (after tax)

$37,229.24/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, NILRF beats the other by $36,992.47/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 NILRF + VYM for your $10,000?

NILRF: 50%VYM: 50%

100% VYM50/50100% NILRF

Portfolio after 10yr

$139.6K

Annual income

$22,038.82/yr

Blended yield

15.78%

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Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

NILRF 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 →

MetricNILRFVYM

Forward yield	41.49% ✓	2.41%
Annual dividend / share	$2.00	$3.51 ✓
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	0%	0%
Portfolio after 10y	$251.4K ✓	$27.8K
Annual income after 10y	$43,799.10 ✓	$278.55
Total dividends collected	$191.2K ✓	$2.6K
Payment frequency	quarterly	quarterly
Sector	Stock	ETF

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

Year	NILRF Portfolio	NILRF Income/yr	VYM Portfolio	VYM Income/yr	Gap
1← crossover	$14,849	$4,149.38	$11,151	$241.44	+$3.7K → NILRF
2	$21,647	$5,758.47	$12,413	$246.79	+$9.2K → NILRF
3	$31,008	$7,845.48	$13,794	$251.79	+$17.2K → NILRF
4	$43,682	$10,502.84	$15,306	$256.47	+$28.4K → NILRF
5	$60,567	$13,827.56	$16,960	$260.84	+$43.6K → NILRF
6	$82,725	$17,918.37	$18,768	$264.92	+$64.0K → NILRF
7	$111,388	$22,872.63	$20,745	$268.71	+$90.6K → NILRF
8	$147,968	$28,782.97	$22,905	$272.24	+$125.1K → NILRF
9	$194,060	$35,733.98	$25,265	$275.51	+$168.8K → NILRF
10	$251,443	$43,799.10	$27,842	$278.55	+$223.6K → NILRF

NILRF vs VYM: Complete Analysis 2026

NILRF — Stock

Nilar International AB develops and manufactures stationary energy storage systems. It offers energy storage solutions for various stationary applications, such as storing energy in residential buildings, industrial premises, and commercial buildings. The company sells its products in Sweden, northern Europe, and internationally. Nilar International AB (publ) was incorporated in 2000 and is headquartered in Täby, Sweden.

Full NILRF 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.