Is PHYD or VYM a better dividend investment in 2026?

PHYD currently yields 9.26% with a 5% 5-year dividend growth rate. VYM yields 2.41% with 7.8% growth. The better choice depends on your goal: PHYD offers higher current income.

What is the dividend yield difference between PHYD and VYM?

PHYD has a forward dividend yield of 9.26% ($4.60/share annually). VYM yields 2.41% ($3.51/share annually). The yield gap is 6.85 percentage points.

Home › Compare › PHYD vs VYM

PHYD vs VYM: Dividend Comparison 2026

PHYD yields 9.26% · VYM yields 2.41%● Live data

vsPost on X →

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

🏆 PHYD wins by $9.1K in total portfolio value

INVESTMENT

TIME HORIZON10 years

PHYD

● Live price

9.26%

Share price

$49.62

Annual div

$4.60

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$36.9K

Annual income

$1,660.68

Full PHYD 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 — PHYD vs VYM

📍 PHYD 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	PHYD	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, PHYD + 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

—

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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PHYD 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.

PHYD

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

$787.45/yr

After 10yr DRIP, annual income (after tax)

$1,411.58/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, PHYD beats the other by $1,174.81/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 PHYD + VYM for your $10,000?

PHYD: 50%VYM: 50%

100% VYM50/50100% PHYD

Portfolio after 10yr

$32.4K

Annual income

$969.61/yr

Blended yield

2.99%

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Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

PHYD 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 →

MetricPHYDVYM

Forward yield	9.26% ✓	2.41%
Annual dividend / share	$4.60 ✓	$3.51
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	0%	0%
Portfolio after 10y	$36.9K ✓	$27.8K
Annual income after 10y	$1,660.68 ✓	$278.55
Total dividends collected	$12.9K ✓	$2.6K
Payment frequency	quarterly	quarterly
Sector	Stock	ETF

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

Year	PHYD Portfolio	PHYD Income/yr	VYM Portfolio	VYM Income/yr	Gap
1← crossover	$11,626	$926.41	$11,151	$241.44	+$475.00 → PHYD
2	$13,447	$1,006.62	$12,413	$246.79	+$1.0K → PHYD
3	$15,476	$1,088.07	$13,794	$251.79	+$1.7K → PHYD
4	$17,730	$1,170.36	$15,306	$256.47	+$2.4K → PHYD
5	$20,224	$1,253.07	$16,960	$260.84	+$3.3K → PHYD
6	$22,976	$1,335.84	$18,768	$264.92	+$4.2K → PHYD
7	$26,002	$1,418.30	$20,745	$268.71	+$5.3K → PHYD
8	$29,322	$1,500.13	$22,905	$272.24	+$6.4K → PHYD
9	$32,956	$1,581.01	$25,265	$275.51	+$7.7K → PHYD
10	$36,924	$1,660.68	$27,842	$278.55	+$9.1K → PHYD

PHYD vs VYM: Complete Analysis 2026

PHYD — Stock

The fund seeks high current income. Capital growth is a secondary goal when consistent with achieving high current income. The fund invests mainly in bonds that are below investment grade in quality with a focus on companies or issuers that the fund's investment manager believes meet relevant environmental, social or governance (ESG) criteria on a sector-specific basis.

Full PHYD 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.