HomeCompareVMRXX vs RYLD

VMRXX vs RYLD: Dividend Comparison 2026

VMRXX yields 2.98% · RYLD yields 12.14%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 RYLD wins by $20.3K 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 →
RYLD
RYLD
● Live price
12.14%
Share price
$14.95
Annual div
$1.81
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$44.5K
Annual income
$2,587.35
Full RYLD calculator →

Portfolio growth — VMRXX vs RYLD

📍 RYLD 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 PeriodVMRXXRYLD
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 + RYLD cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
VMRXX pays
RYLD 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
RYLD
Annual income on $10K today (after 15% tax)
$1,031.60/yr
After 10yr DRIP, annual income (after tax)
$2,199.25/yr
At 15% tax rate, RYLD beats the other by $1,892.52/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

VMRXX: 50%RYLD: 50%
100% RYLD50/50100% VMRXX
Portfolio after 10yr
$34.4K
Annual income
$1,474.10/yr
Blended yield
4.29%
🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

VMRXX buys
0
RYLD buys
0
No recent congressional trades found for VMRXX or RYLD in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricVMRXXRYLD
Forward yield2.98%12.14%
Annual dividend / share$0.03$1.81
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR0%0%
Portfolio after 10y$24.2K$44.5K
Annual income after 10y$360.86$2,587.35
Total dividends collected$3.3K$18.8K
Payment frequencyquarterlyquarterly
SectorStockETF

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

YearVMRXX PortfolioVMRXX Income/yrRYLD PortfolioRYLD Income/yrGap
1← crossover$10,998$297.84$11,914$1,213.65$916.00RYLD
2$12,074$306.13$14,099$1,351.30$2.0KRYLD
3$13,233$314.10$16,580$1,494.55$3.3KRYLD
4$14,481$321.73$19,384$1,642.61$4.9KRYLD
5$15,824$329.05$22,535$1,794.70$6.7KRYLD
6$17,268$336.03$26,063$1,950.00$8.8KRYLD
7$18,819$342.70$29,995$2,107.69$11.2KRYLD
8$20,485$349.06$34,361$2,266.99$13.9KRYLD
9$22,274$355.11$39,194$2,427.12$16.9KRYLD
10$24,195$360.86$44,525$2,587.35$20.3KRYLD

VMRXX vs RYLD: 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 →

RYLDETF

The Global X Russell 2000 Covered Call ETF (RYLD) seeks to provide investment results that correspond generally to the price and yield performance, before fees and expenses, of the Cboe Russell 2000 BuyWrite Index.

Full RYLD 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.