Is RFNCX or VYM a better dividend investment in 2026?

RFNCX currently yields 8.78% with a 5% 5-year dividend growth rate. VYM yields 2.37% with 7.8% growth. The better choice depends on your goal: RFNCX offers higher current income.

What is the dividend yield difference between RFNCX and VYM?

RFNCX has a forward dividend yield of 8.78% ($7.53/share annually). VYM yields 2.37% ($3.51/share annually). The yield gap is 6.41 percentage points.

Home › Compare › RFNCX vs VYM

RFNCX vs VYM: Dividend Comparison 2026

RFNCX yields 8.78% · VYM yields 2.37%● Live data

vsPost on X →

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

🏆 RFNCX wins by $8.0K in total portfolio value

INVESTMENT

TIME HORIZON10 years

RFNCX

● Live price

8.78%

Share price

$85.81

Annual div

$7.53

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$35.8K

Annual income

$1,527.15

Full RFNCX calculator →

VYM

Vanguard High Dividend Yield ETF

● Live price

2.37%

Share price

$148.10

Annual div

$3.51

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$27.8K

Annual income

$272.94

Full VYM calculator →

Portfolio growth — RFNCX vs VYM

📍 RFNCX 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 Period	RFNCX	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%.

📅

Dividend Calendar Overlap

Combined, RFNCX + VYM cover 0 of 12 months — good coverage

Jan

—

Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

RFNCX pays

VYM pays

Both pay

Neither

💰

Tax Bracket Optimizer

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

RFNCX

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

$746.01/yr

After 10yr DRIP, annual income (after tax)

$1,298.08/yr

VYM

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

$201.60/yr

After 10yr DRIP, annual income (after tax)

$232.00/yr

At 15% tax rate, RFNCX beats the other by $1,066.08/year in after-tax income after 10 years on $10,000

⚖️

Lazy Portfolio Split Optimizer

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

RFNCX: 50%VYM: 50%

100% VYM50/50100% RFNCX

Portfolio after 10yr

$31.8K

Annual income

$900.04/yr

Blended yield

2.83%

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

RFNCX buys

VYM buys

No recent congressional trades found for RFNCX or VYM in the last 90 days.

STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →

MetricRFNCXVYM

Forward yield	8.78% ✓	2.37%
Annual dividend / share	$7.53 ✓	$3.51
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	0%	0%
Portfolio after 10y	$35.8K ✓	$27.8K
Annual income after 10y	$1,527.15 ✓	$272.94
Total dividends collected	$12.0K ✓	$2.6K
Payment frequency	quarterly	quarterly
Sector	Stock	ETF

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

Year	RFNCX Portfolio	RFNCX Income/yr	VYM Portfolio	VYM Income/yr	Gap
1← crossover	$11,578	$877.66	$11,147	$237.17	+$431.00 → RFNCX
2	$13,338	$949.65	$12,404	$242.33	+$934.00 → RFNCX
3	$15,294	$1,022.45	$13,780	$247.16	+$1.5K → RFNCX
4	$17,460	$1,095.70	$15,285	$251.67	+$2.2K → RFNCX
5	$19,851	$1,169.06	$16,932	$255.88	+$2.9K → RFNCX
6	$22,483	$1,242.22	$18,733	$259.81	+$3.8K → RFNCX
7	$25,372	$1,314.87	$20,701	$263.46	+$4.7K → RFNCX
8	$28,535	$1,386.73	$22,852	$266.86	+$5.7K → RFNCX
9	$31,990	$1,457.57	$25,201	$270.01	+$6.8K → RFNCX
10	$35,756	$1,527.15	$27,768	$272.94	+$8.0K → RFNCX

RFNCX vs VYM: Complete Analysis 2026

RFNCX — Stock

The fund invests primarily in common stocks of companies that appear to offer superior opportunities for capital growth and most of which have a history of paying dividends. It may invest significantly in securities of issuers domiciled outside the United States. The investment adviser uses a system of multiple portfolio managers in managing the fund's assets.

Full RFNCX 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 →

📬

Get this RFNCX vs VYM comparison by email

Save your analysis + weekly dividend insights. Free forever.

More comparisons

RFNCX vs SCHD RFNCX vs JEPI RFNCX vs O RFNCX vs KO RFNCX vs MAIN RFNCX vs VIG RFNCX vs DGRO RFNCX 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.