Is VMRXX or DIVO a better dividend investment in 2026?

VMRXX currently yields 2.98% with a 5% 5-year dividend growth rate. DIVO yields 6.49% with 5% growth. The better choice depends on your goal: DIVO offers higher current income.

What is the dividend yield difference between VMRXX and DIVO?

VMRXX has a forward dividend yield of 2.98% ($0.03/share annually). DIVO yields 6.49% ($2.91/share annually). The yield gap is 3.51 percentage points.

Home › Compare › VMRXX vs DIVO

VMRXX vs DIVO: Dividend Comparison 2026

VMRXX yields 2.98% · DIVO yields 6.49%● Live data

vsPost on X →

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

🏆 DIVO wins by $6.5K in total portfolio value

INVESTMENT

TIME HORIZON10 years

VMRXX

● Live price

2.98%

Share price

$1.00

Annual div

$0.03

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$24.2K

Annual income

$360.86

Full VMRXX calculator →

DIVO

● Live price

6.49%

Share price

$44.85

Annual div

$2.91

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$30.7K

Annual income

$981.68

Full DIVO calculator →

Portfolio growth — VMRXX 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	VMRXX	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, VMRXX + DIVO cover 0 of 12 months — good coverage

Jan

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Feb

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Mar

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Apr

—

May

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Jun

—

Jul

—

Aug

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Sep

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Oct

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Nov

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Dec

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VMRXX 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.

VMRXX

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

$253.17/yr

After 10yr DRIP, annual income (after tax)

$306.73/yr

DIVO

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

$552.00/yr

After 10yr DRIP, annual income (after tax)

$834.43/yr

At 15% tax rate, DIVO beats the other by $527.70/year in after-tax income after 10 years on $10,000

⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of VMRXX + DIVO for your $10,000?

VMRXX: 50%DIVO: 50%

100% DIVO50/50100% VMRXX

Portfolio after 10yr

$27.5K

Annual income

$671.27/yr

Blended yield

2.44%

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

VMRXX buys

DIVO buys

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

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

MetricVMRXXDIVO

Forward yield	2.98%	6.49% ✓
Annual dividend / share	$0.03	$2.91 ✓
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	0%	0%
Portfolio after 10y	$24.2K	$30.7K ✓
Annual income after 10y	$360.86	$981.68 ✓
Total dividends collected	$3.3K	$8.2K ✓
Payment frequency	quarterly	quarterly
Sector	Stock	ETF

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

Year	VMRXX Portfolio	VMRXX Income/yr	DIVO Portfolio	DIVO Income/yr	Gap
1← crossover	$10,998	$297.84	$11,349	$649.42	$351.00 → DIVO
2	$12,074	$306.13	$12,833	$688.83	$759.00 → DIVO
3	$13,233	$314.10	$14,459	$727.90	$1.2K → DIVO
4	$14,481	$321.73	$16,238	$766.49	$1.8K → DIVO
5	$15,824	$329.05	$18,179	$804.47	$2.4K → DIVO
6	$17,268	$336.03	$20,293	$841.71	$3.0K → DIVO
7	$18,819	$342.70	$22,591	$878.14	$3.8K → DIVO
8	$20,485	$349.06	$25,087	$913.65	$4.6K → DIVO
9	$22,274	$355.11	$27,791	$948.18	$5.5K → DIVO
10	$24,195	$360.86	$30,718	$981.68	$6.5K → DIVO

VMRXX vs DIVO: Complete Analysis 2026

VMRXX — Stock

Vanguard Cash Reserves Federal Money Market Fund’s investment objective is to seek to provide current income while maintaining liquidity and a stable share price of $1. The fund invests at least 99.5% of its total assets in cash, U.S. government securities, and/or repurchase agreements that are collateralized solely by U.S. government securities or cash (collectively, government securities). The fund invests more than 25% of its assets in securities issued by companies in the financial services industry, which includes securities issued by certain government-sponsored enterprises. The fund is considered one of the most conservative investment options offered by Vanguard. Although the fund invests in short-term U.S. government securities, the amount of income that a shareholder may receive will be largely dependent on the current interest rate environment. Investors who have a short-term savings goal and are interested in a fund that invests in securities issued by the U.S. government or its agencies may wish to consider this option.Important Note: This fund may earn income from investments in repurchase agreements and certain other securities that are generally subject to state and local taxes.

Full VMRXX Calculator →

DIVO — ETF

DIVO is an ETF of high-quality large cap companies with a history of dividend and earnings growth, along with a tactical covered call* strategy on individual stocks. DIVO is strategically designed to offer high levels of total return on a risk-adjusted basis.

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.