HomeCompareRFFTX vs VYM

RFFTX vs VYM: Dividend Comparison 2026

RFFTX yields 6.50% · VYM yields 2.41%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 RFFTX wins by $2.9K in total portfolio value
10 years
RFFTX
RFFTX
● Live price
6.50%
Share price
$20.23
Annual div
$1.32
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$30.7K
Annual income
$983.39
Full RFFTX 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 — RFFTX vs VYM

📍 RFFTX 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 PeriodRFFTXVYM
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, RFFTX + VYM cover 0 of 12 monthsgood coverage

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

RFFTX
Annual income on $10K today (after 15% tax)
$552.69/yr
After 10yr DRIP, annual income (after tax)
$835.88/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, RFFTX beats the other by $599.11/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

RFFTX: 50%VYM: 50%
100% VYM50/50100% RFFTX
Portfolio after 10yr
$29.3K
Annual income
$630.97/yr
Blended yield
2.15%
🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

RFFTX buys
0
VYM buys
0
No recent congressional trades found for RFFTX or VYM in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricRFFTXVYM
Forward yield6.50%2.41%
Annual dividend / share$1.32$3.51
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR0%0%
Portfolio after 10y$30.7K$27.8K
Annual income after 10y$983.39$278.55
Total dividends collected$8.2K$2.6K
Payment frequencyquarterlyquarterly
SectorStockETF

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

YearRFFTX PortfolioRFFTX Income/yrVYM PortfolioVYM Income/yrGap
1← crossover$11,350$650.22$11,151$241.44+$199.00RFFTX
2$12,834$689.74$12,413$246.79+$421.00RFFTX
3$14,462$728.91$13,794$251.79+$668.00RFFTX
4$16,242$767.60$15,306$256.47+$936.00RFFTX
5$18,184$805.67$16,960$260.84+$1.2KRFFTX
6$20,300$843.02$18,768$264.92+$1.5KRFFTX
7$22,601$879.55$20,745$268.71+$1.9KRFFTX
8$25,098$915.16$22,905$272.24+$2.2KRFFTX
9$27,805$949.80$25,265$275.51+$2.5KRFFTX
10$30,734$983.39$27,842$278.55+$2.9KRFFTX

RFFTX vs VYM: Complete Analysis 2026

RFFTXStock

The fund normally invests a greater portion of its assets in fixed income, equity-income and balanced funds as it approaches and passes its target date. The advisor attempts to achieve its investment objectives by investing in a mix of American Funds in different combinations and weightings. The underlying American Funds represent a variety of fund categories, including growth funds, growth-and-income funds, equity-income funds, balanced funds and fixed income funds. The fund categories represent differing investment objectives and strategies.

Full RFFTX 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.