HomeCompareRAYD vs VYM

RAYD vs VYM: Dividend Comparison 2026

RAYD yields 12.68% · VYM yields 2.41%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 RAYD wins by $18.3K in total portfolio value
10 years
RAYD
RAYD
● Live price
12.68%
Share price
$38.45
Annual div
$4.88
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$46.1K
Annual income
$2,792.61
Full RAYD 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 — RAYD vs VYM

📍 RAYD 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 PeriodRAYDVYM
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, RAYD + VYM cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
RAYD 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.

RAYD
Annual income on $10K today (after 15% tax)
$1,077.87/yr
After 10yr DRIP, annual income (after tax)
$2,373.72/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, RAYD beats the other by $2,136.95/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

RAYD: 50%VYM: 50%
100% VYM50/50100% RAYD
Portfolio after 10yr
$37.0K
Annual income
$1,535.57/yr
Blended yield
4.15%
🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

RAYD buys
0
VYM buys
0
No recent congressional trades found for RAYD or VYM in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricRAYDVYM
Forward yield12.68%2.41%
Annual dividend / share$4.88$3.51
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR0%0%
Portfolio after 10y$46.1K$27.8K
Annual income after 10y$2,792.61$278.55
Total dividends collected$20.1K$2.6K
Payment frequencyquarterlyquarterly
SectorStockETF

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

YearRAYD PortfolioRAYD Income/yrVYM PortfolioVYM Income/yrGap
1← crossover$11,968$1,268.08$11,151$241.44+$817.00RAYD
2$14,224$1,418.36$12,413$246.79+$1.8KRAYD
3$16,795$1,575.46$13,794$251.79+$3.0KRAYD
4$19,710$1,738.54$15,306$256.47+$4.4KRAYD
5$22,996$1,906.73$16,960$260.84+$6.0KRAYD
6$26,685$2,079.12$18,768$264.92+$7.9KRAYD
7$30,808$2,254.80$20,745$268.71+$10.1KRAYD
8$35,397$2,432.86$22,905$272.24+$12.5KRAYD
9$40,487$2,612.42$25,265$275.51+$15.2KRAYD
10$46,114$2,792.61$27,842$278.55+$18.3KRAYD

RAYD vs VYM: Complete Analysis 2026

RAYDStock

The fund invests, under normal circumstances, at least 80% of its net assets plus any borrowings for investment purposes in equity securities of developed market companies. The Adviser considers a company to be a developed market company if it is organized or maintains its principal place of business in a developed markets country. The equity securities in which it invests are primarily common stocks and depositary receipts, including unsponsored depositary receipts, but may also include preferred stocks, exchange-traded funds (“ETFs”), and securities of other investment companies.

Full RAYD 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 →
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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.