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VFIIX vs PEP: Dividend Comparison 2026

VFIIX yields 3.65% · PEP yields 3.69%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 VFIIX wins by $3.8K in total portfolio value
10 years
VFIIX
VFIIX
● Live price
3.65%
Share price
$9.44
Annual div
$0.34
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$25.3K
Annual income
$461.95
Full VFIIX calculator →
PEP
PepsiCo Inc.
● Live price
3.69%
Share price
$146.80
Annual div
$5.42
5Y div CAGR
6.7%
Payout ratio
72%
After 10 yrs · $10,000 · DRIP
Portfolio value
$21.5K
Annual income
$1,034.52
Full PEP calculator →

Portfolio growth — VFIIX vs PEP

📍 VFIIX 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 PeriodVFIIXPEP
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, VFIIX + PEP cover 0 of 12 monthsgood coverage

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

Tax Bracket Optimizer

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

VFIIX
Annual income on $10K today (after 15% tax)
$310.48/yr
After 10yr DRIP, annual income (after tax)
$392.66/yr
PEP
Annual income on $10K today (after 15% tax)
$313.83/yr
After 10yr DRIP, annual income (after tax)
$879.34/yr
At 15% tax rate, PEP beats the other by $486.68/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of VFIIX + PEP for your $10,000?

VFIIX: 50%PEP: 50%
100% PEP50/50100% VFIIX
Portfolio after 10yr
$23.4K
Annual income
$748.23/yr
Blended yield
3.19%
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Analyst Conviction Gap

Where Wall Street is most bullish on PEP right now

VFIIX
No analyst data
PEP
Analyst Ratings
1
Strong
15
Buy
27
Hold
1
Sell
Consensus: Hold
Price Target
$172.43
+17.5% upside vs current
Range: $156.00 — $191.00
Altman Z
3.6
Piotroski
7/9
Analyst ratings via FMP. Altman Z-Score: >3.0 safe, 1.81–3.0 grey zone, <1.81 distress. Piotroski: 7–9 strong, 0–3 weak.
🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

VFIIX buys
0
PEP buys
0
No recent congressional trades found for VFIIX or PEP in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricVFIIXPEP
Forward yield3.65%3.69%
Annual dividend / share$0.34$5.42
Payout ratio50%72%
1-year div growth0%7.1%
5-year div CAGR0%6.7%
Portfolio after 10y$25.3K$21.5K
Annual income after 10y$461.95$1,034.52
Total dividends collected$4.2K$6.6K
Payment frequencyquarterlyquarterly
SectorStockConsumer Staples

Year-by-year: VFIIX vs PEP ($10,000, DRIP)

YearVFIIX PortfolioVFIIX Income/yrPEP PortfolioPEP Income/yrGap
1← crossover$11,065$365.28$10,734$393.95+$331.00VFIIX
2$12,218$377.75$11,535$436.36+$683.00VFIIX
3$13,463$389.80$12,411$483.90+$1.1KVFIIX
4$14,806$401.42$13,371$537.26+$1.4KVFIIX
5$16,255$412.61$14,422$597.26+$1.8KVFIIX
6$17,817$423.35$15,578$664.81+$2.2KVFIIX
7$19,498$433.66$16,848$740.97+$2.6KVFIIX
8$21,306$443.52$18,248$826.99+$3.1KVFIIX
9$23,250$452.95$19,793$924.28+$3.5KVFIIX
10$25,340$461.95$21,500$1,034.52+$3.8KVFIIX

VFIIX vs PEP: Complete Analysis 2026

VFIIXStock

This bond fund specializes in government mortgage-backed securities. The fund primarily invests in GNMA securities, which are backed by the full faith and credit of the U.S. government and typically offer a higher yield than U.S. Treasuries. In addition to other bond market risks, the fund is subject to prepayment risk. When mortgage refinance activity is high, the yield on the fund is likely to decrease. Investors with a medium-term time horizon and a goal of monthly income may wish to consider the fund for the fixed income portion of their portfolio. Please note: U.S. government backing of agency securities applies only to the underlying securities and does not prevent share-price fluctuations in the fund.

Full VFIIX Calculator →

PEPConsumer Staples

PepsiCo is a Dividend King with 52+ consecutive years of increases. Its diversified portfolio spans beverages and snacks via brands including Pepsi, Gatorade, Lay's, and Quaker. Snack food exposure provides more stable volumes than pure beverages. International expansion in emerging markets drives long-term growth.

Full PEP 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.