HomeCompareUMAY vs VYM

UMAY vs VYM: Dividend Comparison 2026

UMAY yields 5.43% · VYM yields 2.41%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 UMAY wins by $750.00 in total portfolio value
10 years
UMAY
UMAY
● Live price
5.43%
Share price
$36.84
Annual div
$2.00
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$28.6K
Annual income
$767.88
Full UMAY 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 — UMAY vs VYM

📍 UMAY 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 PeriodUMAYVYM
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, UMAY + VYM cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
UMAY 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.

UMAY
Annual income on $10K today (after 15% tax)
$461.45/yr
After 10yr DRIP, annual income (after tax)
$652.70/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, UMAY beats the other by $415.93/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

UMAY: 50%VYM: 50%
100% VYM50/50100% UMAY
Portfolio after 10yr
$28.2K
Annual income
$523.21/yr
Blended yield
1.85%
🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

UMAY buys
0
VYM buys
1
PoliticianChamberTickerTypeAmountDate
Carol Devine Miller🏢 House$VYM▲ Buy$15,001 - $50,0002022-11-02
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricUMAYVYM
Forward yield5.43%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$28.6K$27.8K
Annual income after 10y$767.88$278.55
Total dividends collected$6.6K$2.6K
Payment frequencyquarterlyquarterly
SectorStockETF

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

YearUMAY PortfolioUMAY Income/yrVYM PortfolioVYM Income/yrGap
1← crossover$11,243$542.89$11,151$241.44+$92.00UMAY
2$12,600$570.43$12,413$246.79+$187.00UMAY
3$14,080$597.48$13,794$251.79+$286.00UMAY
4$15,689$623.96$15,306$256.47+$383.00UMAY
5$17,437$649.80$16,960$260.84+$477.00UMAY
6$19,333$674.95$18,768$264.92+$565.00UMAY
7$21,386$699.37$20,745$268.71+$641.00UMAY
8$23,606$723.01$22,905$272.24+$701.00UMAY
9$26,004$745.86$25,265$275.51+$739.00UMAY
10$28,592$767.88$27,842$278.55+$750.00UMAY

UMAY vs VYM: Complete Analysis 2026

UMAYStock

The Innovator U.S. Equity Ultra Buffer ETF seeks to track the return of the SPDR S&P 500 ETF Trust (SPY), up to a predetermined 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 UMAY 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.