Is TRRJX or VYM a better dividend investment in 2026?

TRRJX currently yields 4.75% with a 5% 5-year dividend growth rate. VYM yields 2.41% with 7.8% growth. The better choice depends on your goal: TRRJX offers higher current income.

What is the dividend yield difference between TRRJX and VYM?

TRRJX has a forward dividend yield of 4.75% ($1.08/share annually). VYM yields 2.41% ($3.51/share annually). The yield gap is 2.34 percentage points.

Home › Compare › TRRJX vs VYM

TRRJX vs VYM: Dividend Comparison 2026

TRRJX yields 4.75% · VYM yields 2.41%● Live data

vsPost on X →

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

🏆 VYM wins by $526.00 in total portfolio value· pulled ahead in Year 6

INVESTMENT

TIME HORIZON10 years

TRRJX

● Live price

4.75%

Share price

$22.69

Annual div

$1.08

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$27.3K

Annual income

$644.63

Full TRRJX 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 — TRRJX vs VYM

📍 VYM pulled ahead of the other in Year 6

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	TRRJX	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, TRRJX + VYM cover 0 of 12 months — good coverage

Jan

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Feb

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Mar

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Apr

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May

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Jun

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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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TRRJX 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.

TRRJX

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

$404.13/yr

After 10yr DRIP, annual income (after tax)

$547.94/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, TRRJX beats the other by $311.17/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 TRRJX + VYM for your $10,000?

TRRJX: 50%VYM: 50%

100% VYM50/50100% TRRJX

Portfolio after 10yr

$27.6K

Annual income

$461.58/yr

Blended yield

1.67%

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Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

TRRJX 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 →

MetricTRRJXVYM

Forward yield	4.75% ✓	2.41%
Annual dividend / share	$1.08	$3.51 ✓
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	0%	0%
Portfolio after 10y	$27.3K	$27.8K ✓
Annual income after 10y	$644.63 ✓	$278.55
Total dividends collected	$5.6K ✓	$2.6K
Payment frequency	quarterly	quarterly
Sector	Stock	ETF

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

Year	TRRJX Portfolio	TRRJX Income/yr	VYM Portfolio	VYM Income/yr	Gap
1	$11,175	$475.45	$11,151	$241.44	+$24.00 → TRRJX
2	$12,454	$496.58	$12,413	$246.79	+$41.00 → TRRJX
3	$13,843	$517.20	$13,794	$251.79	+$49.00 → TRRJX
4	$15,350	$537.27	$15,306	$256.47	+$44.00 → TRRJX
5	$16,981	$556.76	$16,960	$260.84	+$21.00 → TRRJX
6← crossover	$18,745	$575.63	$18,768	$264.92	$23.00 → VYM
7	$20,651	$593.87	$20,745	$268.71	$94.00 → VYM
8	$22,708	$611.46	$22,905	$272.24	$197.00 → VYM
9	$24,926	$628.38	$25,265	$275.51	$339.00 → VYM
10	$27,316	$644.63	$27,842	$278.55	$526.00 → VYM

TRRJX vs VYM: Complete Analysis 2026

TRRJX — Stock

The fund invests in a diversified portfolio of other T. Rowe Price stock and bond mutual funds that represent various asset classes and sectors. Its allocation among T. Rowe Price mutual funds will change over time in relation to its target retirement date. The fund is managed based on the specific retirement year (target date 2035) included in its name and assumes a retirement age of 65.

Full TRRJX 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.