HomeCompareVFIJX vs GBDC

VFIJX vs GBDC: Dividend Comparison 2026

VFIJX yields 3.75% · GBDC yields 11.85%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 GBDC wins by $20.75M in total portfolio value
10 years
VFIJX
VFIJX
● Live price
3.75%
Share price
$9.44
Annual div
$0.35
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$25.5K
Annual income
$477.00
Full VFIJX calculator →
GBDC
GBDC
● Live price
11.85%
Share price
$12.66
Annual div
$1.50
5Y div CAGR
51.1%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$20.78M
Annual income
$16,389,263.41
Full GBDC calculator →

Portfolio growth — VFIJX vs GBDC

📍 GBDC 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 PeriodVFIJXGBDC
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, VFIJX + GBDC cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
VFIJX pays
GBDC pays
Both pay
Neither
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Tax Bracket Optimizer

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

VFIJX
Annual income on $10K today (after 15% tax)
$318.65/yr
After 10yr DRIP, annual income (after tax)
$405.45/yr
GBDC
Annual income on $10K today (after 15% tax)
$1,007.11/yr
After 10yr DRIP, annual income (after tax)
$13,930,873.90/yr
At 15% tax rate, GBDC beats the other by $13,930,468.45/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of VFIJX + GBDC for your $10,000?

VFIJX: 50%GBDC: 50%
100% GBDC50/50100% VFIJX
Portfolio after 10yr
$10.40M
Annual income
$8,194,870.20/yr
Blended yield
78.79%
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Analyst Conviction Gap

Where Wall Street is most bullish on GBDC right now

VFIJX
No analyst data
Altman Z
18.9
Piotroski
4/9
GBDC
Analyst Ratings
6
Buy
5
Hold
Consensus: Buy
Price Target
$14.00
+10.6% upside vs current
Range: $13.00 — $15.00
Altman Z
0.6
Piotroski
6/9
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)

VFIJX buys
0
GBDC buys
0
No recent congressional trades found for VFIJX or GBDC in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricVFIJXGBDC
Forward yield3.75%11.85%
Annual dividend / share$0.35$1.50
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR0%51.1%
Portfolio after 10y$25.5K$20.78M
Annual income after 10y$477.00$16,389,263.41
Total dividends collected$4.3K$20.36M
Payment frequencyquarterlyquarterly
SectorStockBDC

Year-by-year: VFIJX vs GBDC ($10,000, DRIP)

YearVFIJX PortfolioVFIJX Income/yrGBDC PortfolioGBDC Income/yrGap
1← crossover$11,075$374.88$12,490$1,790.28$1.4KGBDC
2$12,238$388.02$16,522$3,157.73$4.3KGBDC
3$13,496$400.72$23,578$5,898.68$10.1KGBDC
4$14,853$412.99$37,115$11,886.75$22.3KGBDC
5$16,318$424.80$66,136$26,423.57$49.8KGBDC
6$17,896$436.15$137,257$66,491.44$119.4KGBDC
7$19,596$447.05$341,734$194,868.54$322.1KGBDC
8$21,425$457.48$1,050,788$685,133.02$1.03MGBDC
9$23,392$467.46$4,099,314$2,974,971.01$4.08MGBDC
10$25,507$477.00$20,775,530$16,389,263.41$20.75MGBDC

VFIJX vs GBDC: Complete Analysis 2026

VFIJXStock

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 VFIJX Calculator →

GBDCBDC

Golub Capital BDC, Inc. (GBDC) is a business development company and operates as an externally managed closed-end non-diversified management investment company. It invests in debt and minority equity investments in middle-market companies that are, in most cases, sponsored by private equity investors. It typically invests in diversified consumer services, automobiles, healthcare technology, insurance, health care equipment and supplies, hotels, restaurants and leisure, healthcare providers and services, IT services and specialty retails. It seeks to invest in the United States. It primarily invests in first lien traditional senior debt, first lien one stop, junior debt and equity, senior secured, one stop, unitranche, second lien, subordinated and mezzanine loans of middle-market companies, and warrants.

Full GBDC 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.