Is NSBTX or VYM a better dividend investment in 2026?

NSBTX currently yields 0.46% 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 NSBTX and VYM?

NSBTX has a forward dividend yield of 0.46% ($0.03/share annually). VYM yields 2.41% ($3.51/share annually). The yield gap is 1.95 percentage points.

Home › Compare › NSBTX vs VYM

NSBTX vs VYM: Dividend Comparison 2026

NSBTX yields 0.46% · VYM yields 2.41%● Live data

vsPost on X →

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

🏆 VYM wins by $7.5K in total portfolio value

INVESTMENT

TIME HORIZON10 years

NSBTX

● Live price

0.46%

Share price

$6.76

Annual div

$0.03

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$20.3K

Annual income

$47.25

Full NSBTX 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 — NSBTX vs VYM

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

Jan

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Feb

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Mar

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Apr

—

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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NSBTX 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.

NSBTX

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

$38.98/yr

After 10yr DRIP, annual income (after tax)

$40.16/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 $196.61/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 NSBTX + VYM for your $10,000?

NSBTX: 50%VYM: 50%

100% VYM50/50100% NSBTX

Portfolio after 10yr

$24.1K

Annual income

$162.89/yr

Blended yield

0.68%

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

NSBTX 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 →

MetricNSBTXVYM

Forward yield	0.46%	2.41% ✓
Annual dividend / share	$0.03	$3.51 ✓
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	0%	0%
Portfolio after 10y	$20.3K	$27.8K ✓
Annual income after 10y	$47.25	$278.55 ✓
Total dividends collected	$466.00 ✓	$2.6K
Payment frequency	quarterly	quarterly
Sector	Stock	ETF

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

Year	NSBTX Portfolio	NSBTX Income/yr	VYM Portfolio	VYM Income/yr	Gap
1← crossover	$10,746	$45.86	$11,151	$241.44	$405.00 → VYM
2	$11,544	$46.05	$12,413	$246.79	$869.00 → VYM
3	$12,398	$46.24	$13,794	$251.79	$1.4K → VYM
4	$13,313	$46.41	$15,306	$256.47	$2.0K → VYM
5	$14,291	$46.57	$16,960	$260.84	$2.7K → VYM
6	$15,338	$46.73	$18,768	$264.92	$3.4K → VYM
7	$16,459	$46.87	$20,745	$268.71	$4.3K → VYM
8	$17,658	$47.00	$22,905	$272.24	$5.2K → VYM
9	$18,941	$47.13	$25,265	$275.51	$6.3K → VYM
10	$20,314	$47.25	$27,842	$278.55	$7.5K → VYM

NSBTX vs VYM: Complete Analysis 2026

NSBTX — Stock

The investment seeks the highest available current income consistent with liquidity and low risk to principal; total return is a secondary goal. To pursue its goals, the fund invests mainly in investment-grade bonds and other debt securities issued by domestic and foreign governments, corporate entities, and trusts. It normally invests at least 80% of its net assets in bonds and other debt securities and other investment companies that provide investment exposure to such debt securities.

Full NSBTX 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.