HomeCompareVMRXX vs XYLD

VMRXX vs XYLD: Dividend Comparison 2026

VMRXX yields 2.98% · XYLD yields 10.98%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 XYLD wins by $1.1K in total portfolio value· pulled ahead in Year 9
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 →
XYLD
Global X S&P 500 Covered Call ETF
● Live price
10.98%
Share price
$39.13
Annual div
$4.30
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$25.3K
Annual income
$3,219.02
Full XYLD calculator →

Portfolio growth — VMRXX vs XYLD

📍 XYLD pulled ahead of the other in Year 9

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 PeriodVMRXXXYLD
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 + XYLD cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
VMRXX pays
XYLD 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
XYLD
Annual income on $10K today (after 15% tax)
$933.63/yr
After 10yr DRIP, annual income (after tax)
$2,736.17/yr
At 15% tax rate, XYLD beats the other by $2,429.44/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

VMRXX: 50%XYLD: 50%
100% XYLD50/50100% VMRXX
Portfolio after 10yr
$24.7K
Annual income
$1,789.94/yr
Blended yield
7.24%
🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

VMRXX buys
0
XYLD buys
0
No recent congressional trades found for VMRXX or XYLD in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricVMRXXXYLD
Forward yield2.98%10.98%
Annual dividend / share$0.03$4.30
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR0%0%
Portfolio after 10y$24.2K$25.3K
Annual income after 10y$360.86$3,219.02
Total dividends collected$3.3K$19.6K
Payment frequencyquarterlymonthly
SectorStockETF

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

YearVMRXX PortfolioVMRXX Income/yrXYLD PortfolioXYLD Income/yrGap
1$10,998$297.84$10,818$1,098.39+$180.00VMRXX
2$12,074$306.13$11,738$1,222.51+$336.00VMRXX
3$13,233$314.10$12,774$1,364.64+$459.00VMRXX
4$14,481$321.73$13,944$1,527.86+$537.00VMRXX
5$15,824$329.05$15,270$1,715.87+$554.00VMRXX
6$17,268$336.03$16,775$1,933.09+$493.00VMRXX
7$18,819$342.70$18,490$2,184.87+$329.00VMRXX
8$20,485$349.06$20,450$2,477.63+$35.00VMRXX
9← crossover$22,274$355.11$22,697$2,819.19$423.00XYLD
10$24,195$360.86$25,280$3,219.02$1.1KXYLD

VMRXX vs XYLD: 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 →

XYLDETF

The Global X S&P 500 Covered Call ETF (XYLD) seeks to provide investment results that correspond generally to the price and yield performance, before fees and expenses, of the Cboe S&P 500 BuyWrite Index.

Full XYLD 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.