Is UMRRF or VYM a better dividend investment in 2026?

UMRRF currently yields 73.40% with a 5% 5-year dividend growth rate. VYM yields 2.41% with 7.8% growth. The better choice depends on your goal: UMRRF offers higher current income.

What is the dividend yield difference between UMRRF and VYM?

UMRRF has a forward dividend yield of 73.40% ($0.14/share annually). VYM yields 2.41% ($3.51/share annually). The yield gap is 70.99 percentage points.

Home › Compare › UMRRF vs VYM

UMRRF vs VYM: Dividend Comparison 2026

UMRRF yields 73.40% · VYM yields 2.41%● Live data

vsPost on X →

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

🏆 UMRRF wins by $2843631888565.69M in total portfolio value

INVESTMENT

TIME HORIZON10 years

UMRRF

● Live price

73.40%

Share price

$0.19

Annual div

$0.14

5Y div CAGR

100%

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$2843631888565.71M

Annual income

$2,836,209,087,779,137,000.00

Full UMRRF 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 — UMRRF vs VYM

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

Jan

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Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

UMRRF 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.

UMRRF

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

$6,239.18/yr

After 10yr DRIP, annual income (after tax)

$2,410,777,724,612,266,500.00/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, UMRRF beats the other by $2,410,777,724,612,266,500.00/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 UMRRF + VYM for your $10,000?

UMRRF: 50%VYM: 50%

100% VYM50/50100% UMRRF

Portfolio after 10yr

$1421815944282.87M

Annual income

$1,418,104,543,889,568,800.00/yr

Blended yield

99.74%

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

UMRRF buys

VYM buys

No recent congressional trades found for UMRRF or VYM in the last 90 days.

STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →

MetricUMRRFVYM

Forward yield	73.40% ✓	2.41%
Annual dividend / share	$0.14	$3.51 ✓
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	100% ✓	0%
Portfolio after 10y	$2843631888565.71M ✓	$27.8K
Annual income after 10y	$2,836,209,087,779,137,000.00 ✓	$278.55
Total dividends collected	$2843144056464.38M ✓	$2.6K
Payment frequency	quarterly	quarterly
Sector	Stock	ETF

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

Year	UMRRF Portfolio	UMRRF Income/yr	VYM Portfolio	VYM Income/yr	Gap
1← crossover	$25,380	$14,680.41	$11,151	$241.44	+$14.2K → UMRRF
2	$96,801	$69,643.91	$12,413	$246.79	+$84.4K → UMRRF
3	$600,067	$496,489.78	$13,794	$251.79	+$586.3K → UMRRF
4	$6,394,835	$5,752,763.36	$15,306	$256.47	+$6.38M → UMRRF
5	$121,433,988	$114,591,514.54	$16,960	$260.84	+$121.42M → UMRRF
6	$4,197,266,167	$4,067,331,799.59	$18,768	$264.92	+$4197.25M → UMRRF
7	$267,264,882,042	$262,773,807,243.66	$20,745	$268.71	+$267264.86M → UMRRF
8	$31,561,431,416,403	$31,275,457,992,618.20	$22,905	$272.24	+$31561431.39M → UMRRF
9	$6,937,196,996,801,481	$6,903,426,265,185,930.00	$25,265	$275.51	+$6937196996.78M → UMRRF
10	$2,843,631,888,565,714,400	$2,836,209,087,779,137,000.00	$27,842	$278.55	+$2843631888565.69M → UMRRF

UMRRF vs VYM: Complete Analysis 2026

UMRRF — Stock

US Masters Residential Property Fund (Fund) was established in 2011 and is listed on the Australian Securities Exchange (URF.ASX). The Fund was established to give investors exposure to US residential property and is the largest Australian-listed property trust with a primary strategy of investing in freestanding and multi-tenant US residential property in the New York metropolitan area. The Fund is focused on seeking to achieve long-term returns through a combination of income from rental yields along with potential long-term capital growth. Since 2011, the Fund's portfolio has grown to 982 housing units across 551 freestanding properties, with a gross asset value of approximately $1.2 billion (as at 30 June 2020). The Fund conducts all its New York metropolitan area residential investment through its controlled entity US Masters Residential Property (USA) Fund, a Maryland Real Estate Investment Trust (US REIT). A dedicated team of highly-skilled professionals based in New York manages every aspect of the real estate investment process from acquiring the properties and rehabilitating the assets, to leasing the homes and ongoing tenant management.

Full UMRRF 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.