Is TLFA or VYM a better dividend investment in 2026?

TLFA currently yields 22.81% with a 5% 5-year dividend growth rate. VYM yields 2.37% with 7.8% growth. The better choice depends on your goal: TLFA offers higher current income.

What is the dividend yield difference between TLFA and VYM?

TLFA has a forward dividend yield of 22.81% ($1.25/share annually). VYM yields 2.37% ($3.51/share annually). The yield gap is 20.44 percentage points.

Home › Compare › TLFA vs VYM

TLFA vs VYM: Dividend Comparison 2026

TLFA yields 22.81% · VYM yields 2.37%● Live data

vsPost on X →

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

🏆 TLFA wins by $58.9K in total portfolio value

INVESTMENT

TIME HORIZON10 years

TLFA

● Live price

22.81%

Share price

$5.48

Annual div

$1.25

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$86.6K

Annual income

$9,001.20

Full TLFA 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 — TLFA vs VYM

📍 TLFA 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	TLFA	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, TLFA + VYM cover 0 of 12 months — good coverage

Jan

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Feb

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Mar

—

Apr

—

May

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Jun

—

Jul

—

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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TLFA 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.

TLFA

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

$1,938.87/yr

After 10yr DRIP, annual income (after tax)

$7,651.02/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, TLFA beats the other by $7,419.02/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 TLFA + VYM for your $10,000?

TLFA: 50%VYM: 50%

100% VYM50/50100% TLFA

Portfolio after 10yr

$57.2K

Annual income

$4,637.07/yr

Blended yield

8.11%

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

TLFA buys

VYM buys

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

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

MetricTLFAVYM

Forward yield	22.81% ✓	2.37%
Annual dividend / share	$1.25	$3.51 ✓
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	0%	0%
Portfolio after 10y	$86.6K ✓	$27.8K
Annual income after 10y	$9,001.20 ✓	$272.94
Total dividends collected	$52.6K ✓	$2.6K
Payment frequency	quarterly	quarterly
Sector	Stock	ETF

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

Year	TLFA Portfolio	TLFA Income/yr	VYM Portfolio	VYM Income/yr	Gap
1← crossover	$12,981	$2,281.02	$11,147	$237.17	+$1.8K → TLFA
2	$16,657	$2,767.29	$12,404	$242.33	+$4.3K → TLFA
3	$21,142	$3,318.63	$13,780	$247.16	+$7.4K → TLFA
4	$26,558	$3,936.55	$15,285	$251.67	+$11.3K → TLFA
5	$33,039	$4,621.58	$16,932	$255.88	+$16.1K → TLFA
6	$40,725	$5,373.21	$18,733	$259.81	+$22.0K → TLFA
7	$49,765	$6,189.90	$20,701	$263.46	+$29.1K → TLFA
8	$60,318	$7,069.18	$22,852	$266.86	+$37.5K → TLFA
9	$72,548	$8,007.67	$25,201	$270.01	+$47.3K → TLFA
10	$86,627	$9,001.20	$27,768	$272.94	+$58.9K → TLFA

TLFA vs VYM: Complete Analysis 2026

TLFA — Stock

Tandy Leather Factory, Inc., together with its subsidiaries, operates as a retailer of leather and leathercraft-related items in North America and Spain. It offers leather, hand tools, hardware, kits, liquids, teaching materials, open workbenches, machinery, and related accessories and supplies. The company also manufactures leather laces, cut leather pieces, do-it-yourself kits, thread laces, belt strips and straps, and Craftaids. In addition, it offers production services, including cutting, splitting, and assembly services to business customers. The company sells its products under the Tandy Leather, Eco-Flo, Craftool, CraftoolPro, Dr. Jackson's, and TandyPro brand names through company-owned stores; and orders generated from its websites, such as tandyleather.com, tandyleather.ca, tandyleather.eu, and tandyleather.com.au. It operates 106 retail stores, including 95 stores in the United States; ten stores in Canada; and one store in Spain. The company was formerly known as The Leather Factory, Inc. and changed its name to Tandy Leather Factory, Inc. in 2005. Tandy Leather Factory, Inc. was founded in 1919 and is headquartered in Fort Worth, Texas.

Full TLFA 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.