Is VFIFX or DIVO a better dividend investment in 2026?

VFIFX currently yields 2.12% with a 5% 5-year dividend growth rate. DIVO yields 4.00% with 5% growth. The better choice depends on your goal: DIVO offers higher current income.

What is the dividend yield difference between VFIFX and DIVO?

VFIFX has a forward dividend yield of 2.12% ($1.24/share annually). DIVO yields 4.00% ($2.00/share annually). The yield gap is 1.88 percentage points.

Home › Compare › VFIFX vs DIVO

VFIFX vs DIVO: Dividend Comparison 2026

VFIFX yields 2.12% · DIVO yields 4.00%● Live data

vsPost on X →

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

🏆 DIVO wins by $5.2K in total portfolio value

INVESTMENT

TIME HORIZON10 years

VFIFX

● Live price

2.12%

Share price

$58.43

Annual div

$1.24

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$22.8K

Annual income

$243.09

Full VFIFX calculator →

DIVO

● Live price

4.00%

Share price

$50.00

Annual div

$2.00

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$28.0K

Annual income

$899.19

Full DIVO calculator →

Portfolio growth — VFIFX vs DIVO

📍 DIVO 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	VFIFX	DIVO
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, VFIFX + DIVO cover 0 of 12 months — good coverage

Jan

—

Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

VFIFX pays

DIVO pays

Both pay

Neither

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Tax Bracket Optimizer

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

VFIFX

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

$180.17/yr

After 10yr DRIP, annual income (after tax)

$206.63/yr

DIVO

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

$340.00/yr

After 10yr DRIP, annual income (after tax)

$764.31/yr

At 15% tax rate, DIVO beats the other by $557.69/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 VFIFX + DIVO for your $10,000?

VFIFX: 50%DIVO: 50%

100% DIVO50/50100% VFIFX

Portfolio after 10yr

$25.4K

Annual income

$571.14/yr

Blended yield

2.25%

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

VFIFX buys

DIVO buys

No recent congressional trades found for VFIFX or DIVO in the last 90 days.

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

MetricVFIFXDIVO

Forward yield	2.12%	4.00% ✓
Annual dividend / share	$1.24	$2.00 ✓
Payout ratio	50%	50%
1-year div growth	0%	5% ✓
5-year div CAGR	0%	5% ✓
Portfolio after 10y	$22.8K	$28.0K ✓
Annual income after 10y	$243.09	$899.19 ✓
Total dividends collected	$2.3K	$6.4K ✓
Payment frequency	quarterly	quarterly
Sector	Stock	ETF

Year-by-year: VFIFX vs DIVO ($10,000, DRIP)

Year	VFIFX Portfolio	VFIFX Income/yr	DIVO Portfolio	DIVO Income/yr	Gap
1← crossover	$10,912	$211.96	$11,120	$420.00	$208.00 → DIVO
2	$11,892	$216.16	$12,357	$458.31	$465.00 → DIVO
3	$12,945	$220.16	$13,721	$499.76	$776.00 → DIVO
4	$14,075	$223.97	$15,227	$544.58	$1.2K → DIVO
5	$15,287	$227.60	$16,885	$593.02	$1.6K → DIVO
6	$16,589	$231.03	$18,713	$645.34	$2.1K → DIVO
7	$17,984	$234.30	$20,724	$701.81	$2.7K → DIVO
8	$19,480	$237.39	$22,938	$762.73	$3.5K → DIVO
9	$21,084	$240.32	$25,372	$828.41	$4.3K → DIVO
10	$22,803	$243.09	$28,047	$899.19	$5.2K → DIVO

VFIFX vs DIVO: Complete Analysis 2026

VFIFX — Stock

Vanguard Target Retirement Funds offer a diversified portfolio within a single fund that adjusts its underlying asset mix over time. The funds provide broad diversification while incrementally decreasing exposure to stocks and increasing exposure to bonds as each fund’s target retirement date approaches. The funds continue to adjust for approximately seven years after that date until their allocations match that of the Target Retirement Income Fund. Investors in the funds should be able to tolerate the risks that come from the volatility of the stock and bond markets. You may wish to consider this fund if you’re planning to retire between 2048 and 2052.

Full VFIFX Calculator →

DIVO — ETF

DIVO is a dividend-paying stock. Use this calculator to estimate your future dividend income, DRIP compounding returns, and passive income potential from investing in DIVO shares.

Full DIVO 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.