HomeCompareRAIFY vs VYM

RAIFY vs VYM: Dividend Comparison 2026

RAIFY yields 2.73% · VYM yields 2.41%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 RAIFY wins by $263.02M in total portfolio value
10 years
RAIFY
RAIFY
● Live price
2.73%
Share price
$10.90
Annual div
$0.30
5Y div CAGR
100%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$263.04M
Annual income
$245,749,516.57
Full RAIFY calculator →
VYM
Vanguard High Dividend Yield ETF
● Live price
2.41%
Share price
$145.48
Annual div
$3.51
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$27.8K
Annual income
$278.55
Full VYM calculator →

Portfolio growth — RAIFY vs VYM

📍 RAIFY pulled ahead of the other in Year 1

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 PeriodRAIFYVYM
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%.
📅

Dividend Calendar Overlap

Combined, RAIFY + VYM cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
RAIFY pays
VYM pays
Both pay
Neither
💰

Tax Bracket Optimizer

Which stock is actually better after tax? Adjust your rate to find out.

RAIFY
Annual income on $10K today (after 15% tax)
$232.02/yr
After 10yr DRIP, annual income (after tax)
$208,887,089.08/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, RAIFY beats the other by $208,886,852.32/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of RAIFY + VYM for your $10,000?

RAIFY: 50%VYM: 50%
100% VYM50/50100% RAIFY
Portfolio after 10yr
$131.54M
Annual income
$122,874,897.56/yr
Blended yield
93.42%
📊

Analyst Conviction Gap

Where Wall Street is split right now

RAIFY
Analyst Ratings
1
Hold
Consensus: Hold
Altman Z
0.2
Piotroski
6/9
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.
🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

RAIFY buys
0
VYM buys
1
PoliticianChamberTickerTypeAmountDate
Carol Devine Miller🏢 House$VYM▲ Buy$15,001 - $50,0002022-11-02
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricRAIFYVYM
Forward yield2.73%2.41%
Annual dividend / share$0.30$3.51
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR100%0%
Portfolio after 10y$263.04M$27.8K
Annual income after 10y$245,749,516.57$278.55
Total dividends collected$261.74M$2.6K
Payment frequencyquarterlyquarterly
SectorStockETF

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

YearRAIFY PortfolioRAIFY Income/yrVYM PortfolioVYM Income/yrGap
1← crossover$11,246$545.94$11,151$241.44+$95.00RAIFY
2$13,181$1,147.59$12,413$246.79+$768.00RAIFY
3$16,617$2,514.07$13,794$251.79+$2.8KRAIFY
4$23,705$5,924.46$15,306$256.47+$8.4KRAIFY
5$41,161$15,796.92$16,960$260.84+$24.2KRAIFY
6$95,313$51,270.37$18,768$264.92+$76.5KRAIFY
7$323,894$221,908.93$20,745$268.71+$303.1KRAIFY
8$1,756,087$1,409,520.05$22,905$272.24+$1.73MRAIFY
9$16,163,366$14,284,353.08$25,265$275.51+$16.14MRAIFY
10$263,044,318$245,749,516.57$27,842$278.55+$263.02MRAIFY

RAIFY vs VYM: Complete Analysis 2026

RAIFYStock

Raiffeisen Bank International AG, together with its subsidiaries, provides corporate, retail, and investment banking services. The company offers cross border accounts; and cash management services, such as account, reporting, payment, clearing, settlement, and cash pooling services; electronic banking; and SEPA and cross-border payments to billing solutions. It also provides investor services, including custody and fund administration services, as well as execution services comprising electronic sales trading, direct market access, and fund brokerage services; trade, working capital, export, sustainable, and real estate finance services, as well as commodity and structured trade, project, and supply chain finance products; and cards. In addition, the company offers bank guarantees, sureties, and letters of credit, as well as documentary collection products; hedging, factoring, and leasing services; and fixed income, money market and securities, asset management, and structured products for corporate and institutional customers. Further, it arranges syndicated loans and structure asset based finance transactions; and assists clients in mergers, acquisitions, sales, and privatizations. As of December 31, 2020, the company operated through a network of 1,857 business outlets in Central, Southeastern, and Eastern Europe. Raiffeisen Bank International AG was founded in 1886 and is headquartered in Vienna, Austria.

Full RAIFY Calculator →

VYMETF

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 →
📬

Get this RAIFY vs VYM comparison by email

Save your analysis + weekly dividend insights. Free forever.

More comparisons

RAIFY vs SCHDRAIFY vs JEPIRAIFY vs ORAIFY vs KORAIFY vs MAINRAIFY vs VIGRAIFY vs DGRORAIFY vs HDV

⚠️ Educational purposes only. Not financial advice. Congressional trades sourced from SEC STOCK Act filings via FMP. Past performance does not guarantee future results.