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VYM vs T: Dividend Comparison 2026

VYM yields 2.91% · T yields 6.24% · See full DRIP projection below

vsEnter any two US tickers
After 10 years · $10,000 invested · DRIP enabled
🏆 VYM wins by $22.1K in total portfolio value
10 years
VYM
Vanguard High Dividend Yield ETF
2.91%
Share price
$118.40
Annual div
$3.44
5Y div CAGR
7.8%
Payout ratio
45%
After 10 yrs · $10,000 · DRIP
Portfolio value
$31.3K
Annual income
$785.17
Full VYM calculator →
T
AT&T Inc.
6.24%
Share price
$17.80
Annual div
$1.11
5Y div CAGR
-8.2%
Payout ratio
58%
After 10 yrs · $10,000 · DRIP
Portfolio value
$9.1K
Annual income
$432.01
Full T calculator →

Portfolio growth — VYM vs T

Annual dividend income

MetricVYMT
Forward yield2.91%6.24%
Annual dividend / share$3.44$1.11
Payout ratio45%58%
1-year div growth6.2%0%
5-year div CAGR7.8%-8.2%
Portfolio after 10y$31.3K$9.1K
Annual income after 10y$785.17$432.01
Total dividends collected$5.2K$5.0K
Payment frequencyquarterlyquarterly
SectorETFTelecom

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

YearVYM PortfolioVYM Income/yrT PortfolioT Income/yrGap
1$11,223$313.20$9,962$572.46+$1.3KVYM
2$12,592$347.33$9,912$557.56+$2.7KVYM
3$14,123$385.04$9,850$542.34+$4.3KVYM
4$15,835$426.70$9,776$526.88+$6.1KVYM
5$17,748$472.73$9,691$511.23+$8.1KVYM
6$19,887$523.54$9,595$495.45+$10.3KVYM
7$22,276$579.64$9,489$479.58+$12.8KVYM
8$24,945$641.54$9,374$463.69+$15.6KVYM
9$27,925$709.84$9,250$447.82+$18.7KVYM
10$31,251$785.17$9,118$432.01+$22.1KVYM

VYM vs T: Complete Analysis 2026

VYMETF

VYM tracks the FTSE High Dividend Yield Index, holding ~450 large-cap US companies with above-average dividend yields. With an ultra-low 0.06% expense ratio, it's one of the cheapest dividend ETFs available. Excellent core holding for long-term dividend growth investors seeking broad diversification and reliable income.

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TTelecom

AT&T is one of the largest telecom companies in the US. After spinning off WarnerMedia in 2022 and cutting its dividend, AT&T has stabilized its payout at $1.11/year. High yield makes it attractive for pure income investors, though dividend growth has been absent. The company is focused on debt reduction and fiber network expansion.

Full T Calculator →

Frequently Asked Questions

Is VYM or T better for dividend income in 2026?
VYM currently offers a 2.91% yield (3.44/share/year) while T offers 6.24% (1.11/share/year). T provides higher current income. However, VYM has grown its dividend faster (7.8% 5Y CAGR), which may lead to better long-term income through compounding.
How much would $10,000 in VYM vs T earn per year?
With $10,000 invested today: VYM pays approximately $291/year. T pays approximately $624/year. With DRIP reinvestment over 10 years, these grow to $785/year (VYM) and $432/year (T).
Does VYM or T pay monthly dividends?
VYM pays quarterly dividends. T pays quarterly dividends. Neither pay monthly — both use a quarterly schedule, which is preferred by investors who need regular cash flow.
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⚠️ Educational purposes only. Not financial advice. All projections use historical data; actual results will vary.