HomeCompareVTMSX vs RYLD

VTMSX vs RYLD: Dividend Comparison 2026

VTMSX yields 1.30% · RYLD yields 12.14%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 RYLD wins by $23.0K in total portfolio value
10 years
VTMSX
VTMSX
● Live price
1.30%
Share price
$101.50
Annual div
$1.31
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$21.5K
Annual income
$140.89
Full VTMSX 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 — VTMSX 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 PeriodVTMSXRYLD
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, VTMSX + RYLD cover 0 of 12 monthsgood coverage

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

VTMSX
Annual income on $10K today (after 15% tax)
$110.11/yr
After 10yr DRIP, annual income (after tax)
$119.76/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 $2,079.49/year in after-tax income after 10 years on $10,000
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Lazy Portfolio Split Optimizer

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

VTMSX: 50%RYLD: 50%
100% RYLD50/50100% VTMSX
Portfolio after 10yr
$33.0K
Annual income
$1,364.11/yr
Blended yield
4.13%
🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

VTMSX buys
0
RYLD buys
0
No recent congressional trades found for VTMSX or RYLD in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricVTMSXRYLD
Forward yield1.30%12.14%
Annual dividend / share$1.31$1.81
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR0%0%
Portfolio after 10y$21.5K$44.5K
Annual income after 10y$140.89$2,587.35
Total dividends collected$1.4K$18.8K
Payment frequencyquarterlyquarterly
SectorStockETF

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

YearVTMSX PortfolioVTMSX Income/yrRYLD PortfolioRYLD Income/yrGap
1← crossover$10,830$129.54$11,914$1,213.65$1.1KRYLD
2$11,719$131.11$14,099$1,351.30$2.4KRYLD
3$12,672$132.59$16,580$1,494.55$3.9KRYLD
4$13,693$133.99$19,384$1,642.61$5.7KRYLD
5$14,786$135.31$22,535$1,794.70$7.7KRYLD
6$15,958$136.56$26,063$1,950.00$10.1KRYLD
7$17,213$137.74$29,995$2,107.69$12.8KRYLD
8$18,557$138.85$34,361$2,266.99$15.8KRYLD
9$19,995$139.90$39,194$2,427.12$19.2KRYLD
10$21,536$140.89$44,525$2,587.35$23.0KRYLD

VTMSX vs RYLD: Complete Analysis 2026

VTMSXStock

As part of Vanguard’s series of tax-managed investments, this fund offers investors exposure to small-capitalization stocks. Its unique, index-oriented approach attempts to track the benchmark, while keeping taxable gains to a minimum. One of the fund’s risks is its focus on small-cap companies, which can be a volatile segment of the market. Investors in higher tax brackets who have an investment time horizon of five years or longer and a high tolerance for risk may wish to consider this fund complementary to a well-balanced portfolio. Please note: It is possible that the fund will not meet its objective of being tax-efficient.

Full VTMSX 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.