Is SBIL or VYM a better dividend investment in 2026?

SBIL currently yields 2.68% with a 5% 5-year dividend growth rate. VYM yields 2.41% with 7.8% growth. The better choice depends on your goal: SBIL offers higher current income.

What is the dividend yield difference between SBIL and VYM?

SBIL has a forward dividend yield of 2.68% ($2.68/share annually). VYM yields 2.41% ($3.51/share annually). The yield gap is 0.27 percentage points.

Home › Compare › SBIL vs VYM

SBIL vs VYM: Dividend Comparison 2026

SBIL yields 2.68% · VYM yields 2.41%● Live data

vsPost on X →

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

🏆 VYM wins by $4.1K in total portfolio value

INVESTMENT

TIME HORIZON10 years

SBIL

● Live price

2.68%

Share price

$100.07

Annual div

$2.68

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$23.7K

Annual income

$318.34

Full SBIL 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 — SBIL 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 Period	SBIL	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, SBIL + VYM cover 0 of 12 months — good coverage

Jan

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Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

SBIL 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.

SBIL

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

$227.65/yr

After 10yr DRIP, annual income (after tax)

$270.59/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, SBIL beats the other by $33.82/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 SBIL + VYM for your $10,000?

SBIL: 50%VYM: 50%

100% VYM50/50100% SBIL

Portfolio after 10yr

$25.8K

Annual income

$298.44/yr

Blended yield

1.16%

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Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

SBIL 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 →

MetricSBILVYM

Forward yield	2.68% ✓	2.41%
Annual dividend / share	$2.68	$3.51 ✓
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	0%	0%
Portfolio after 10y	$23.7K	$27.8K ✓
Annual income after 10y	$318.34 ✓	$278.55
Total dividends collected	$2.9K ✓	$2.6K
Payment frequency	quarterly	quarterly
Sector	Stock	ETF

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

Year	SBIL Portfolio	SBIL Income/yr	VYM Portfolio	VYM Income/yr	Gap
1← crossover	$10,968	$267.83	$11,151	$241.44	$183.00 → VYM
2	$12,010	$274.53	$12,413	$246.79	$403.00 → VYM
3	$13,132	$280.95	$13,794	$251.79	$662.00 → VYM
4	$14,338	$287.09	$15,306	$256.47	$968.00 → VYM
5	$15,635	$292.96	$16,960	$260.84	$1.3K → VYM
6	$17,028	$298.55	$18,768	$264.92	$1.7K → VYM
7	$18,524	$303.88	$20,745	$268.71	$2.2K → VYM
8	$20,129	$308.95	$22,905	$272.24	$2.8K → VYM
9	$21,852	$313.77	$25,265	$275.51	$3.4K → VYM
10	$23,700	$318.34	$27,842	$278.55	$4.1K → VYM

SBIL vs VYM: Complete Analysis 2026

SBIL — Stock

The Simplify Government Money Market ETF (SBIL) seeks current income consistent with liquidity and stability of principal. SBIL operates as a government money market fund pursuant to Rule 2a-7 under the Investment Company Act of 1940. SBIL can be used by investors who seek income and stability of principal and by investors seeking a Rule 2a-7 compliant investment in ETF format. Although SBIL is a money market fund, it will have a floating net asset value and share price.

Full SBIL 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.