HomeCompareVMRXX vs QYLD

VMRXX vs QYLD: Dividend Comparison 2026

VMRXX yields 2.98% · QYLD yields 11.92%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 QYLD wins by $1.2K in total portfolio value· pulled ahead in Year 10
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 →
QYLD
Global X Nasdaq 100 Covered Call ETF
● Live price
11.92%
Share price
$17.15
Annual div
$2.04
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$25.4K
Annual income
$5,659.31
Full QYLD calculator →

Portfolio growth — VMRXX vs QYLD

📍 QYLD pulled ahead of the other in Year 10

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 PeriodVMRXXQYLD
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%.
📅

Dividend Calendar Overlap

Combined, VMRXX + QYLD cover 0 of 12 monthsgood coverage

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

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
QYLD
Annual income on $10K today (after 15% tax)
$1,013.51/yr
After 10yr DRIP, annual income (after tax)
$4,810.41/yr
At 15% tax rate, QYLD beats the other by $4,503.68/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

VMRXX: 50%QYLD: 50%
100% QYLD50/50100% VMRXX
Portfolio after 10yr
$24.8K
Annual income
$3,010.09/yr
Blended yield
12.14%
🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

VMRXX buys
0
QYLD buys
0
No recent congressional trades found for VMRXX or QYLD in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricVMRXXQYLD
Forward yield2.98%11.92%
Annual dividend / share$0.03$2.04
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR0%0%
Portfolio after 10y$24.2K$25.4K
Annual income after 10y$360.86$5,659.31
Total dividends collected$3.3K$27.1K
Payment frequencyquarterlymonthly
SectorStockETF

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

YearVMRXX PortfolioVMRXX Income/yrQYLD PortfolioQYLD Income/yrGap
1$10,998$297.84$10,352$1,192.36+$646.00VMRXX
2$12,074$306.13$10,830$1,347.57+$1.2KVMRXX
3$13,233$314.10$11,460$1,539.07+$1.8KVMRXX
4$14,481$321.73$12,275$1,777.84+$2.2KVMRXX
5$15,824$329.05$13,323$2,078.95+$2.5KVMRXX
6$17,268$336.03$14,667$2,463.34+$2.6KVMRXX
7$18,819$342.70$16,396$2,960.57+$2.4KVMRXX
8$20,485$349.06$18,631$3,612.97+$1.9KVMRXX
9$22,274$355.11$21,548$4,482.15+$726.00VMRXX
10← crossover$24,195$360.86$25,398$5,659.31$1.2KQYLD

VMRXX vs QYLD: 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 →

QYLDETF

The Global X Nasdaq 100 Covered Call ETF (QYLD) seeks to provide investment results that correspond generally to the price and yield performance, before fees and expenses, of the Cboe Nasdaq-100 BuyWrite V2 Index.

Full QYLD 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.