HomeCompareVMRXX vs DVY

VMRXX vs DVY: Dividend Comparison 2026

VMRXX yields 2.98% · DVY yields 3.46%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 DVY wins by $820.00 in total portfolio value
10 years
VMRXX
VMRXX
● Live price
2.98%
Share price
$1.00
Annual div
$0.03
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$24.2K
Annual income
$360.86
Full VMRXX calculator →
DVY
DVY
● Live price
3.46%
Share price
$151.41
Annual div
$5.25
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$25.0K
Annual income
$432.91
Full DVY calculator →

Portfolio growth — VMRXX 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 PeriodVMRXXDVY
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 + DVY cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
VMRXX pays
DVY 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
DVY
Annual income on $10K today (after 15% tax)
$294.47/yr
After 10yr DRIP, annual income (after tax)
$367.97/yr
At 15% tax rate, DVY beats the other by $61.24/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

VMRXX: 50%DVY: 50%
100% DVY50/50100% VMRXX
Portfolio after 10yr
$24.6K
Annual income
$396.88/yr
Blended yield
1.61%
🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

VMRXX buys
0
DVY buys
0
No recent congressional trades found for VMRXX or DVY in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricVMRXXDVY
Forward yield2.98%3.46%
Annual dividend / share$0.03$5.25
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR0%0%
Portfolio after 10y$24.2K$25.0K
Annual income after 10y$360.86$432.91
Total dividends collected$3.3K$3.9K
Payment frequencyquarterlyquarterly
SectorStockETF

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

YearVMRXX PortfolioVMRXX Income/yrDVY PortfolioDVY Income/yrGap
1← crossover$10,998$297.84$11,046$346.43$48.00DVY
2$12,074$306.13$12,177$357.65$103.00DVY
3$13,233$314.10$13,398$368.47$165.00DVY
4$14,481$321.73$14,715$378.89$234.00DVY
5$15,824$329.05$16,134$388.90$310.00DVY
6$17,268$336.03$17,662$398.51$394.00DVY
7$18,819$342.70$19,306$407.71$487.00DVY
8$20,485$349.06$21,074$416.50$589.00DVY
9$22,274$355.11$22,974$424.90$700.00DVY
10$24,195$360.86$25,015$432.91$820.00DVY

VMRXX vs DVY: Complete Analysis 2026

VMRXXStock

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 →

DVYETF

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.