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VSS vs RYLD: Dividend Comparison 2026

VSS yields 3.35% · RYLD yields 4.00%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 RYLD wins by $3.2K in total portfolio value
10 years
VSS
VSS
● Live price
3.35%
Share price
$145.24
Annual div
$4.86
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$24.8K
Annual income
$414.87
Full VSS calculator →
RYLD
RYLD
● Live price
4.00%
Share price
$50.00
Annual div
$2.00
5Y div CAGR
5%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$28.0K
Annual income
$899.19
Full RYLD calculator →

Portfolio growth — VSS 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 PeriodVSSRYLD
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, VSS + RYLD cover 0 of 12 months — good coverage

Jan
—
Feb
—
Mar
—
Apr
—
May
—
Jun
—
Jul
—
Aug
—
Sep
—
Oct
—
Nov
—
Dec
—
VSS 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.

VSS
Annual income on $10K today (after 15% tax)
$284.34/yr
After 10yr DRIP, annual income (after tax)
$352.64/yr
RYLD
Annual income on $10K today (after 15% tax)
$340.00/yr
After 10yr DRIP, annual income (after tax)
$764.31/yr
At 15% tax rate, RYLD beats the other by $411.67/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

VSS: 50%RYLD: 50%
100% RYLD50/50100% VSS
Portfolio after 10yr
$26.4K
Annual income
$657.03/yr
Blended yield
2.49%
🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

VSS buys
0
RYLD buys
0
No recent congressional trades found for VSS or RYLD in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricVSSRYLD
Forward yield3.35%4.00% ✓
Annual dividend / share$4.86 ✓$2.00
Payout ratio50%50%
1-year div growth0%5% ✓
5-year div CAGR0%5% ✓
Portfolio after 10y$24.8K$28.0K ✓
Annual income after 10y$414.87$899.19 ✓
Total dividends collected$3.8K$6.4K ✓
Payment frequencyquarterlyquarterly
SectorStockETF

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

YearVSS PortfolioVSS Income/yrRYLD PortfolioRYLD Income/yrGap
1← crossover$11,035$334.52$11,120$420.00$85.00 → RYLD
2$12,152$344.97$12,357$458.31$205.00 → RYLD
3$13,358$355.05$13,721$499.76$363.00 → RYLD
4$14,657$364.75$15,227$544.58$570.00 → RYLD
5$16,057$374.06$16,885$593.02$828.00 → RYLD
6$17,564$382.98$18,713$645.34$1.1K → RYLD
7$19,185$391.51$20,724$701.81$1.5K → RYLD
8$20,928$399.67$22,938$762.73$2.0K → RYLD
9$22,801$407.45$25,372$828.41$2.6K → RYLD
10$24,811$414.87$28,047$899.19$3.2K → RYLD

VSS vs RYLD: Complete Analysis 2026

VSS — Stock

Attempts to track the performance of the FTSE Global Small Cap ex US Index. Provides a convenient way to get broad exposure across developed and emerging non-U.S. small-cap equity markets around the world. Passively managed, using index sampling.

Full VSS Calculator →

RYLD — ETF

RYLD is a dividend-paying stock. Use this calculator to estimate your future dividend income, DRIP compounding returns, and passive income potential from investing in RYLD shares.

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.