Is TPAY or VYM a better dividend investment in 2026?

TPAY currently yields 0.91% with a 5% 5-year dividend growth rate. VYM yields 2.39% with 7.8% growth. The better choice depends on your goal: VYM offers higher current income.

What is the dividend yield difference between TPAY and VYM?

TPAY has a forward dividend yield of 0.91% ($0.42/share annually). VYM yields 2.39% ($3.51/share annually). The yield gap is 1.48 percentage points.

Home › Compare › TPAY vs VYM

TPAY vs VYM: Dividend Comparison 2026

TPAY yields 0.91% · VYM yields 2.39%● Live data

vsPost on X →

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

🏆 VYM wins by $6.8K in total portfolio value

INVESTMENT

TIME HORIZON10 years

TPAY

● Live price

0.91%

Share price

$46.50

Annual div

$0.42

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$21.0K

Annual income

$96.21

Full TPAY calculator →

VYM

Vanguard High Dividend Yield ETF

● Live price

2.39%

Share price

$146.91

Annual div

$3.51

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$27.8K

Annual income

$275.46

Full VYM calculator →

Portfolio growth — TPAY 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	TPAY	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, TPAY + VYM cover 0 of 12 months — good coverage

Jan

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Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

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Sep

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Oct

—

Nov

—

Dec

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TPAY pays

VYM pays

Both pay

Neither

💰

Tax Bracket Optimizer

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

TPAY

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

$77.10/yr

After 10yr DRIP, annual income (after tax)

$81.78/yr

VYM

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

$203.23/yr

After 10yr DRIP, annual income (after tax)

$234.14/yr

At 15% tax rate, VYM beats the other by $152.36/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 TPAY + VYM for your $10,000?

TPAY: 50%VYM: 50%

100% VYM50/50100% TPAY

Portfolio after 10yr

$24.4K

Annual income

$185.84/yr

Blended yield

0.76%

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

TPAY 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 →

MetricTPAYVYM

Forward yield	0.91%	2.39% ✓
Annual dividend / share	$0.42	$3.51 ✓
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	0%	0%
Portfolio after 10y	$21.0K	$27.8K ✓
Annual income after 10y	$96.21	$275.46 ✓
Total dividends collected	$937.00 ✓	$2.6K
Payment frequency	quarterly	quarterly
Sector	Stock	ETF

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

Year	TPAY Portfolio	TPAY Income/yr	VYM Portfolio	VYM Income/yr	Gap
1← crossover	$10,791	$90.71	$11,149	$239.09	$358.00 → VYM
2	$11,638	$91.48	$12,408	$244.33	$770.00 → VYM
3	$12,544	$92.20	$13,786	$249.24	$1.2K → VYM
4	$13,515	$92.88	$15,295	$253.83	$1.8K → VYM
5	$14,555	$93.53	$16,945	$258.11	$2.4K → VYM
6	$15,668	$94.13	$18,749	$262.10	$3.1K → VYM
7	$16,859	$94.70	$20,721	$265.82	$3.9K → VYM
8	$18,135	$95.24	$22,876	$269.27	$4.7K → VYM
9	$19,500	$95.74	$25,230	$272.48	$5.7K → VYM
10	$20,961	$96.21	$27,801	$275.46	$6.8K → VYM

TPAY vs VYM: Complete Analysis 2026

TPAY — Stock

The Roundhill S&P 500 Target 10 Managed Distribution ETF (“TPAY”) is designed to pay monthly return of capital distributions to shareholders at an annualized rate of ten percent, while providing exposure to the S&P 500. TPAY is an actively-managed ETF.

Full TPAY 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.