Is TSP or VYM a better dividend investment in 2026?

TSP currently yields 800.00% with a 5% 5-year dividend growth rate. VYM yields 2.41% with 7.8% growth. The better choice depends on your goal: TSP offers higher current income.

What is the dividend yield difference between TSP and VYM?

TSP has a forward dividend yield of 800.00% ($2.00/share annually). VYM yields 2.41% ($3.51/share annually). The yield gap is 797.59 percentage points.

Home › Compare › TSP vs VYM

TSP vs VYM: Dividend Comparison 2026

TSP yields 800.00% · VYM yields 2.41%● Live data

vsPost on X →

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

🏆 TSP wins by $2773896.44M in total portfolio value

INVESTMENT

TIME HORIZON10 years

TSP

● Live price

800.00%

Share price

$0.25

Annual div

$2.00

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$2773896.46M

Annual income

$2,226,430,694,490.38

Full TSP 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 — TSP vs VYM

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

Jan

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Feb

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Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

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Dec

—

TSP 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.

TSP

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

$68,000.00/yr

After 10yr DRIP, annual income (after tax)

$1,892,466,090,316.82/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, TSP beats the other by $1,892,466,090,080.06/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 TSP + VYM for your $10,000?

TSP: 50%VYM: 50%

100% VYM50/50100% TSP

Portfolio after 10yr

$1386948.25M

Annual income

$1,113,215,347,384.46/yr

Blended yield

80.26%

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

TSP 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 →

MetricTSPVYM

Forward yield	800.00% ✓	2.41%
Annual dividend / share	$2.00	$3.51 ✓
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	0%	0%
Portfolio after 10y	$2773896.46M ✓	$27.8K
Annual income after 10y	$2,226,430,694,490.38 ✓	$278.55
Total dividends collected	$2730603.49M ✓	$2.6K
Payment frequency	quarterly	quarterly
Sector	Stock	ETF

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

Year	TSP Portfolio	TSP Income/yr	VYM Portfolio	VYM Income/yr	Gap
1← crossover	$90,700	$80,000.00	$11,151	$241.44	+$79.5K → TSP
2	$775,180	$678,130.84	$12,413	$246.79	+$762.8K → TSP
3	$6,246,019	$5,416,576.76	$13,794	$251.79	+$6.23M → TSP
4	$47,472,138	$40,788,897.61	$15,306	$256.47	+$47.46M → TSP
5	$340,525,323	$289,730,135.14	$16,960	$260.84	+$340.51M → TSP
6	$2,306,680,888	$1,942,318,792.24	$18,768	$264.92	+$2306.66M → TSP
7	$14,764,459,529	$12,296,310,979.28	$20,745	$268.71	+$14764.44M → TSP
8	$89,354,478,583	$73,556,506,887.09	$22,905	$272.24	+$89354.46M → TSP
9	$511,650,252,638	$416,040,960,553.41	$25,265	$275.51	+$511650.23M → TSP
10	$2,773,896,464,813	$2,226,430,694,490.38	$27,842	$278.55	+$2773896.44M → TSP

TSP vs VYM: Complete Analysis 2026

TSP — Stock

TuSimple Holdings Inc., an autonomous technology company, develops autonomous technology specifically designed for semi-trucks in the United States and internationally. It intends to produce a line of purpose-built (Level 4) L4 autonomous semi-trucks for the North American market. The company operates its Autonomous Freight Network (AFN) L4 autonomous semi-trucks equipped with its autonomous driving technology. Its AFN is an ecosystem that consists of L4 autonomous semi-trucks, high definition digital mapped routes, terminals, and TuSimple Connect, a cloud-based autonomous operations oversight system. The company was founded in 2015 and is headquartered in San Diego, California.

Full TSP 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.