Is REFLX or VYM a better dividend investment in 2026?

REFLX currently yields 7.19% with a 5% 5-year dividend growth rate. VYM yields 2.41% with 7.8% growth. The better choice depends on your goal: REFLX offers higher current income.

What is the dividend yield difference between REFLX and VYM?

REFLX has a forward dividend yield of 7.19% ($0.74/share annually). VYM yields 2.41% ($3.51/share annually). The yield gap is 4.78 percentage points.

Home › Compare › REFLX vs VYM

REFLX vs VYM: Dividend Comparison 2026

REFLX yields 7.19% · VYM yields 2.41%● Live data

vsPost on X →

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

🏆 REFLX wins by $4.3K in total portfolio value

INVESTMENT

TIME HORIZON10 years

REFLX

● Live price

7.19%

Share price

$10.36

Annual div

$0.74

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$32.2K

Annual income

$1,134.19

Full REFLX 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 — REFLX vs VYM

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

Jan

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Feb

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Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

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Sep

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Oct

—

Nov

—

Dec

—

REFLX 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.

REFLX

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

$610.93/yr

After 10yr DRIP, annual income (after tax)

$964.06/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, REFLX beats the other by $727.29/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 REFLX + VYM for your $10,000?

REFLX: 50%VYM: 50%

100% VYM50/50100% REFLX

Portfolio after 10yr

$30.0K

Annual income

$706.37/yr

Blended yield

2.35%

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

REFLX 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 →

MetricREFLXVYM

Forward yield	7.19% ✓	2.41%
Annual dividend / share	$0.74	$3.51 ✓
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	0%	0%
Portfolio after 10y	$32.2K ✓	$27.8K
Annual income after 10y	$1,134.19 ✓	$278.55
Total dividends collected	$9.3K ✓	$2.6K
Payment frequency	quarterly	quarterly
Sector	Stock	ETF

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

Year	REFLX Portfolio	REFLX Income/yr	VYM Portfolio	VYM Income/yr	Gap
1← crossover	$11,419	$718.75	$11,151	$241.44	+$268.00 → REFLX
2	$12,985	$767.03	$12,413	$246.79	+$572.00 → REFLX
3	$14,709	$815.18	$13,794	$251.79	+$915.00 → REFLX
4	$16,602	$863.00	$15,306	$256.47	+$1.3K → REFLX
5	$18,674	$910.33	$16,960	$260.84	+$1.7K → REFLX
6	$20,938	$956.98	$18,768	$264.92	+$2.2K → REFLX
7	$23,407	$1,002.81	$20,745	$268.71	+$2.7K → REFLX
8	$26,093	$1,047.69	$22,905	$272.24	+$3.2K → REFLX
9	$29,011	$1,091.52	$25,265	$275.51	+$3.7K → REFLX
10	$32,176	$1,134.19	$27,842	$278.55	+$4.3K → REFLX

REFLX vs VYM: Complete Analysis 2026

REFLX — Stock

Functions as a closed-end investment fund or Investment trust

Full REFLX 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.