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VTI vs VYM: Dividend Comparison 2026

VTI yields 1.21% · VYM yields 2.41%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 VYM wins by $6.4K in total portfolio value
10 years
VTI
VTI
● Live price
1.21%
Share price
$311.68
Annual div
$3.77
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$21.4K
Annual income
$130.81
Full VTI calculator →
VYM
Vanguard High Dividend Yield ETF
● Live price
2.41%
Share price
$145.48
Annual div
$3.51
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$27.8K
Annual income
$278.55
Full VYM calculator →

Portfolio growth — VTI vs VYM

📍 VYM 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 PeriodVTIVYM
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, VTI + VYM cover 0 of 12 monthsgood coverage

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

Tax Bracket Optimizer

Which stock is actually better after tax? Adjust your rate to find out.

VTI
Annual income on $10K today (after 15% tax)
$102.80/yr
After 10yr DRIP, annual income (after tax)
$111.19/yr
VYM
Annual income on $10K today (after 15% tax)
$205.23/yr
After 10yr DRIP, annual income (after tax)
$236.77/yr
At 15% tax rate, VYM beats the other by $125.58/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of VTI + VYM for your $10,000?

VTI: 50%VYM: 50%
100% VYM50/50100% VTI
Portfolio after 10yr
$24.6K
Annual income
$204.67/yr
Blended yield
0.83%
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Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

VTI buys
0
VYM buys
0
No recent congressional trades found for VTI or VYM in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricVTIVYM
Forward yield1.21%2.41%
Annual dividend / share$3.77$3.51
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR0%0%
Portfolio after 10y$21.4K$27.8K
Annual income after 10y$130.81$278.55
Total dividends collected$1.3K$2.6K
Payment frequencyquarterlyquarterly
SectorETFETF

Year-by-year: VTI vs VYM ($10,000, DRIP)

YearVTI PortfolioVTI Income/yrVYM PortfolioVYM Income/yrGap
1← crossover$10,821$120.94$11,151$241.44$330.00VYM
2$11,701$122.31$12,413$246.79$712.00VYM
3$12,643$123.60$13,794$251.79$1.2KVYM
4$13,653$124.82$15,306$256.47$1.7KVYM
5$14,735$125.97$16,960$260.84$2.2KVYM
6$15,893$127.05$18,768$264.92$2.9KVYM
7$17,134$128.08$20,745$268.71$3.6KVYM
8$18,462$129.04$22,905$272.24$4.4KVYM
9$19,885$129.95$25,265$275.51$5.4KVYM
10$21,408$130.81$27,842$278.55$6.4KVYM

VTI vs VYM: Complete Analysis 2026

VTIETF

Seeks to track the performance of the CRSP US Total Market Index.Large-, mid-, and small-cap equity diversified across growth and value styles.Employs a passively managed, index-sampling strategy.The fund remains fully invested.Low expenses minimize net tracking error.With respect to 75% of its total assets, the fund may not: (1) purchase more than 10% of the outstanding voting securities of any one issuer or (2) purchase securities of any issuer if, as a result, more than 5% of the fund’s total assets would be invested in that issuer’s securities; except as may be necessary to approximate the composition of its target index. This limitation does not apply to obligations of the U.S. government or its agencies or instrumentalities.

Full VTI Calculator →

VYMETF

Seeks to track the performance of the FTSE High Dividend Yield Index, which measures the investment return of common stocks of companies characterized by high dividend yields. Provides a convenient way to track the performance of stocks that are forecasted to have above-average dividend yields. Follows a passively managed, full-replication approach.

Full VYM 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.