Is USMF or DVY a better dividend investment in 2026?

USMF currently yields 1.42% with a 5% 5-year dividend growth rate. DVY yields 3.50% with 5% growth. The better choice depends on your goal: DVY offers higher current income.

What is the dividend yield difference between USMF and DVY?

USMF has a forward dividend yield of 1.42% ($0.70/share annually). DVY yields 3.50% ($5.25/share annually). The yield gap is 2.08 percentage points.

Home › Compare › USMF vs DVY

USMF vs DVY: Dividend Comparison 2026

USMF yields 1.42% · DVY yields 3.50%● Live data

vsPost on X →

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

🏆 DVY wins by $3.3K in total portfolio value

INVESTMENT

TIME HORIZON10 years

USMF

● Live price

1.42%

Share price

$49.38

Annual div

$0.70

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$21.7K

Annual income

$155.72

Full USMF calculator →

DVY

● Live price

3.50%

Share price

$150.03

Annual div

$5.25

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$25.1K

Annual income

$437.78

Full DVY calculator →

Portfolio growth — USMF vs DVY

📍 DVY 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	USMF	DVY
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, USMF + DVY cover 0 of 12 months — good coverage

Jan

—

Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

USMF pays

DVY pays

Both pay

Neither

💰

Tax Bracket Optimizer

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

USMF

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

$120.72/yr

After 10yr DRIP, annual income (after tax)

$132.36/yr

DVY

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

$297.17/yr

After 10yr DRIP, annual income (after tax)

$372.11/yr

At 15% tax rate, DVY beats the other by $239.75/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 USMF + DVY for your $10,000?

USMF: 50%DVY: 50%

100% DVY50/50100% USMF

Portfolio after 10yr

$23.4K

Annual income

$296.75/yr

Blended yield

1.27%

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

USMF buys

DVY buys

No recent congressional trades found for USMF or DVY in the last 90 days.

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

MetricUSMFDVY

Forward yield	1.42%	3.50% ✓
Annual dividend / share	$0.70	$5.25 ✓
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	0%	0%
Portfolio after 10y	$21.7K	$25.1K ✓
Annual income after 10y	$155.72	$437.78 ✓
Total dividends collected	$1.5K	$4.0K ✓
Payment frequency	quarterly	quarterly
Sector	Stock	ETF

Year-by-year: USMF vs DVY ($10,000, DRIP)

Year	USMF Portfolio	USMF Income/yr	DVY Portfolio	DVY Income/yr	Gap
1← crossover	$10,842	$142.02	$11,050	$349.62	$208.00 → DVY
2	$11,745	$143.91	$12,184	$361.04	$439.00 → DVY
3	$12,713	$145.69	$13,409	$372.07	$696.00 → DVY
4	$13,750	$147.38	$14,730	$382.68	$980.00 → DVY
5	$14,861	$148.98	$16,154	$392.89	$1.3K → DVY
6	$16,052	$150.49	$17,688	$402.69	$1.6K → DVY
7	$17,328	$151.91	$19,338	$412.07	$2.0K → DVY
8	$18,694	$153.26	$21,113	$421.04	$2.4K → DVY
9	$20,157	$154.52	$23,020	$429.61	$2.9K → DVY
10	$21,724	$155.72	$25,070	$437.78	$3.3K → DVY

USMF vs DVY: Complete Analysis 2026

USMF — Stock

Under normal circumstances, at least 80% of the fund's total assets will be invested in component securities of the index and investments that have economic characteristics that are substantially identical to the economic characteristics of such component securities. The index is generally comprised of 200 U.S. companies with the highest composite scores based on two fundamental factors (value and quality measures) and two technical factors (momentum and correlation). The fund is non-diversified.

Full USMF Calculator →

DVY — ETF

The iShares Select Dividend ETF seeks to track the investment results of an index composed of relatively high dividend paying U.S. equities.

Full DVY 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.