HomeCompareRYFL vs VIG

RYFL vs VIG: Dividend Comparison 2026

RYFL yields 9.88% · VIG yields 1.61%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 RYFL wins by $6.2K in total portfolio value
10 years
RYFL
RYFL
● Live price
9.88%
Share price
$20.25
Annual div
$2.00
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$38.4K
Annual income
$1,837.65
Full RYFL calculator →
VIG
Vanguard Dividend Appreciation ETF
● Live price
1.61%
Share price
$215.06
Annual div
$3.45
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$32.3K
Annual income
$175.21
Full VIG calculator →

Portfolio growth — RYFL vs VIG

📍 RYFL 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 PeriodRYFLVIG
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, RYFL + VIG cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
RYFL pays
VIG pays
Both pay
Neither
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Tax Bracket Optimizer

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

RYFL
Annual income on $10K today (after 15% tax)
$839.51/yr
After 10yr DRIP, annual income (after tax)
$1,562.00/yr
VIG
Annual income on $10K today (after 15% tax)
$136.50/yr
After 10yr DRIP, annual income (after tax)
$148.93/yr
At 15% tax rate, RYFL beats the other by $1,413.07/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 RYFL + VIG for your $10,000?

RYFL: 50%VIG: 50%
100% VIG50/50100% RYFL
Portfolio after 10yr
$35.4K
Annual income
$1,006.43/yr
Blended yield
2.85%
🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

RYFL buys
0
VIG buys
9
PoliticianChamberTickerTypeAmountDate
Thomas R. Carper🏛 Senate$VIG▲ Buy$1,001 - $15,0002024-05-16
Lindsey Graham🏛 Senate$VIG▼ Sell$15,001 - $50,0002024-01-26
Lindsey Graham🏛 Senate$VIG▼ Sell$15,001 - $50,0002024-01-26
Lindsey Graham🏛 Senate$VIG▼ Sell$15,001 - $50,0002023-12-28
Ro Khanna🏢 House$VIG▼ Sell$15,001 - $50,0002023-05-04
K. Michael Conaway🏢 House$VIG▲ Buy$50,001 - $100,0002020-12-10
K. Michael Conaway🏢 House$VIG▲ Buy$50,001 - $100,0002020-12-10
Joe Courtney🏢 House$VIG▼ Sell$1,001 - $15,0002020-10-09
K. Michael Conaway🏢 House$VIG▼ Sell$50,001 - $100,0002020-09-08
K. Michael Conaway🏢 House$VIG▲ Buy$15,001 - $50,0002020-05-19
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricRYFLVIG
Forward yield9.88%1.61%
Annual dividend / share$2.00$3.45
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR0%0%
Portfolio after 10y$38.4K$32.3K
Annual income after 10y$1,837.65$175.21
Total dividends collected$14.1K$1.7K
Payment frequencyquarterlyquarterly
SectorStockETF

Year-by-year: RYFL vs VIG ($10,000, DRIP)

YearRYFL PortfolioRYFL Income/yrVIG PortfolioVIG Income/yrGap
1← crossover$11,688$987.65$11,301$160.59+$387.00RYFL
2$13,585$1,078.82$12,752$162.91+$833.00RYFL
3$15,707$1,171.88$14,370$165.02+$1.3KRYFL
4$18,073$1,266.36$16,176$166.93+$1.9KRYFL
5$20,700$1,361.78$18,188$168.67+$2.5KRYFL
6$23,607$1,457.68$20,432$170.25+$3.2KRYFL
7$26,813$1,553.61$22,933$171.68+$3.9KRYFL
8$30,339$1,649.16$25,720$172.98+$4.6KRYFL
9$34,207$1,743.96$28,827$174.15+$5.4KRYFL
10$38,439$1,837.65$32,288$175.21+$6.2KRYFL

RYFL vs VIG: Complete Analysis 2026

RYFLStock

Royal Financial, Inc., through its subsidiary, Royal Savings Bank, provides commercial and retail banking services to individuals and businesses. It offers savings, NOW, non-interest bearing checking, money market, time deposit, and individual retirement accounts; certificates of deposit; and grants loans, such as one-to-four family, multi-family, commercial mortgage, business, and home equity loans. The company also provides cash management, online, and mobile banking services. It operates through a network of seven branches in Chicago, a branch in Niles, and a branch in Westmont, Illinois, as well as loan production offices in Homewood and St. Charles, Illinois. Royal Financial, Inc. was founded in 1887 and is based in Chicago, Illinois. As of January 31, 2022, Royal Financial, Inc. operates as a subsidiary of Finward Bancorp.

Full RYFL Calculator →

VIGETF

Seeks to track the performance of the S&P U.S. Dividend Growers Index.Passively managed, full-replication approach.Fund remains fully invested.Large-cap equity, emphasizing stocks with a record of growing their dividends year over year.Low expenses minimize net tracking error.With respect to 75% of its total assets, the fund may not: (1) purchase more than 10% of the outstanding voting securities of any one issuer or (2) purchase securities of any issuer if, as a result, more than 5% of the fund’s total assets would be invested in that issuer’s securities; except as may be necessary to approximate the composition of its target index. This limitation does not apply to obligations of the U.S. government or its agencies or instrumentalities.

Full VIG 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.