Is TFILX or VYM a better dividend investment in 2026?

TFILX currently yields 3.53% with a 5% 5-year dividend growth rate. VYM yields 2.37% with 7.8% growth. The better choice depends on your goal: TFILX offers higher current income.

What is the dividend yield difference between TFILX and VYM?

TFILX has a forward dividend yield of 3.53% ($0.33/share annually). VYM yields 2.37% ($3.51/share annually). The yield gap is 1.16 percentage points.

Home › Compare › TFILX vs VYM

TFILX vs VYM: Dividend Comparison 2026

TFILX yields 3.53% · VYM yields 2.37%● Live data

vsPost on X →

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

🏆 VYM wins by $2.6K in total portfolio value

INVESTMENT

TIME HORIZON10 years

TFILX

● Live price

3.53%

Share price

$9.30

Annual div

$0.33

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$25.1K

Annual income

$443.44

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

Jan

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Feb

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Mar

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Apr

—

May

—

Jun

—

Jul

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Aug

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Sep

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Oct

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Nov

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Dec

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TFILX 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.

TFILX

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

$300.32/yr

After 10yr DRIP, annual income (after tax)

$376.92/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, TFILX beats the other by $144.92/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 TFILX + VYM for your $10,000?

TFILX: 50%VYM: 50%

100% VYM50/50100% TFILX

Portfolio after 10yr

$26.5K

Annual income

$358.19/yr

Blended yield

1.35%

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

TFILX buys

VYM buys

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

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

MetricTFILXVYM

Forward yield	3.53% ✓	2.37%
Annual dividend / share	$0.33	$3.51 ✓
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	0%	0%
Portfolio after 10y	$25.1K	$27.8K ✓
Annual income after 10y	$443.44 ✓	$272.94
Total dividends collected	$4.0K ✓	$2.6K
Payment frequency	quarterly	quarterly
Sector	Stock	ETF

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

Year	TFILX Portfolio	TFILX Income/yr	VYM Portfolio	VYM Income/yr	Gap
1← crossover	$11,053	$353.31	$11,147	$237.17	$94.00 → VYM
2	$12,192	$364.98	$12,404	$242.33	$212.00 → VYM
3	$13,422	$376.24	$13,780	$247.16	$358.00 → VYM
4	$14,748	$387.09	$15,285	$251.67	$537.00 → VYM
5	$16,178	$397.53	$16,932	$255.88	$754.00 → VYM
6	$17,718	$407.54	$18,733	$259.81	$1.0K → VYM
7	$19,376	$417.13	$20,701	$263.46	$1.3K → VYM
8	$21,158	$426.31	$22,852	$266.86	$1.7K → VYM
9	$23,074	$435.08	$25,201	$270.01	$2.1K → VYM
10	$25,133	$443.44	$27,768	$272.94	$2.6K → VYM

TFILX vs VYM: Complete Analysis 2026

TFILX — Stock

Normally, at least 80% of the fund's income will be exempt from federal income taxes. Although the fund may purchase securities of any maturity, the fund generally seeks longer-term municipal securities. Most investments are in investment-grade securities, which are securities rated in one of the four highest credit rating categories by at least one major credit rating agency or, if unrated, deemed to be of comparable quality by T. Rowe Price.

Full TFILX 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.