HomeCompareRCC vs VYM

RCC vs VYM: Dividend Comparison 2026

RCC yields 5.74% · VYM yields 2.41%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 VYM wins by $6.4K in total portfolio value
10 years
RCC
RCC
● Live price
5.74%
Share price
$25.04
Annual div
$1.44
5Y div CAGR
-34.9%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$21.5K
Annual income
$8.56
Full RCC 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 — RCC 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 PeriodRCCVYM
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, RCC + VYM cover 0 of 12 monthsgood coverage

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

RCC
Annual income on $10K today (after 15% tax)
$487.98/yr
After 10yr DRIP, annual income (after tax)
$7.28/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 $229.49/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

RCC: 50%VYM: 50%
100% VYM50/50100% RCC
Portfolio after 10yr
$24.7K
Annual income
$143.55/yr
Blended yield
0.58%
🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

RCC 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 →
MetricRCCVYM
Forward yield5.74%2.41%
Annual dividend / share$1.44$3.51
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR-34.9%0%
Portfolio after 10y$21.5K$27.8K
Annual income after 10y$8.56$278.55
Total dividends collected$1.1K$2.6K
Payment frequencyquarterlyquarterly
SectorStockETF

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

YearRCC PortfolioRCC Income/yrVYM PortfolioVYM Income/yrGap
1← crossover$11,074$373.74$11,151$241.44$77.00VYM
2$12,101$251.80$12,413$246.79$312.00VYM
3$13,115$167.41$13,794$251.79$679.00VYM
4$14,144$110.39$15,306$256.47$1.2KVYM
5$15,206$72.43$16,960$260.84$1.8KVYM
6$16,318$47.38$18,768$264.92$2.5KVYM
7$17,491$30.93$20,745$268.71$3.3KVYM
8$18,736$20.17$22,905$272.24$4.2KVYM
9$20,060$13.15$25,265$275.51$5.2KVYM
10$21,473$8.56$27,842$278.55$6.4KVYM

RCC vs VYM: Complete Analysis 2026

RCCStock

Ready Capital Corp. is a real estate finance company, which engages in acquiring, managing, and financing small balance commercial loans. It operates through the following segments: SBC Lending and Acquisitions, Small Business Lending, and Residential Mortgage Banking. The SBC Lending and Acquisitions segment is involved in the SBC loans across the full life-cycle of an SBC property including construction, bridge, stabilized, and agency loan origination channels through wholly-owned subsidiary, ReadyCap Commercial, LLC. The Small Business Lending segment acquires, originates, and services owner-occupied loans guaranteed by the SBA under its SBA Section 7(a) Program through wholly-owned subsidiary, ReadyCap Lending, LLC. The Residential Mortgage Banking segment focuses on the residential mortgage loan origination segment through wholly-owned subsidiary, GMFS, LLC. The company was founded in November 2011 and is headquartered in New York, NY.

Full RCC 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.