HomeCompareUMAR vs VYM

UMAR vs VYM: Dividend Comparison 2026

UMAR yields 5.10% · VYM yields 2.41%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 UMAR wins by $129.00 in total portfolio value
10 years
UMAR
UMAR
● Live price
5.10%
Share price
$39.18
Annual div
$2.00
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$28.0K
Annual income
$707.42
Full UMAR calculator →
VYM
Vanguard High Dividend Yield ETF
● Live price
2.41%
Share price
$145.48
Annual div
$3.51
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$27.8K
Annual income
$278.55
Full VYM calculator →

Portfolio growth — UMAR vs VYM

📍 UMAR 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 PeriodUMARVYM
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, UMAR + VYM cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
UMAR pays
VYM pays
Both pay
Neither
💰

Tax Bracket Optimizer

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

UMAR
Annual income on $10K today (after 15% tax)
$433.86/yr
After 10yr DRIP, annual income (after tax)
$601.31/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, UMAR beats the other by $364.54/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of UMAR + VYM for your $10,000?

UMAR: 50%VYM: 50%
100% VYM50/50100% UMAR
Portfolio after 10yr
$27.9K
Annual income
$492.98/yr
Blended yield
1.77%
🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

UMAR buys
0
VYM buys
0
No recent congressional trades found for UMAR or VYM in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricUMARVYM
Forward yield5.10%2.41%
Annual dividend / share$2.00$3.51
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR0%0%
Portfolio after 10y$28.0K$27.8K
Annual income after 10y$707.42$278.55
Total dividends collected$6.1K$2.6K
Payment frequencyquarterlyquarterly
SectorStockETF

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

YearUMAR PortfolioUMAR Income/yrVYM PortfolioVYM Income/yrGap
1← crossover$11,210$510.42$11,151$241.44+$59.00UMAR
2$12,530$534.77$12,413$246.79+$117.00UMAR
3$13,966$558.61$13,794$251.79+$172.00UMAR
4$15,525$581.89$15,306$256.47+$219.00UMAR
5$17,216$604.55$16,960$260.84+$256.00UMAR
6$19,048$626.55$18,768$264.92+$280.00UMAR
7$21,029$647.86$20,745$268.71+$284.00UMAR
8$23,170$668.45$22,905$272.24+$265.00UMAR
9$25,480$688.31$25,265$275.51+$215.00UMAR
10$27,971$707.42$27,842$278.55+$129.00UMAR

UMAR vs VYM: Complete Analysis 2026

UMARStock

The Innovator U.S. Equity Ultra Buffer ETF seeks to track the return of an S&P 500 ETF, to a cap, while buffering investors against losses from -5% to -35% over the outcome period. The ETF can be held indefinitely, resetting at the end of each outcome period, approximately annually.

Full UMAR Calculator →

VYMETF

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.