Is XCRA or VYM a better dividend investment in 2026?

XCRA currently yields 14.02% with a 5% 5-year dividend growth rate. VYM yields 2.41% with 7.8% growth. The better choice depends on your goal: XCRA offers higher current income.

What is the dividend yield difference between XCRA and VYM?

XCRA has a forward dividend yield of 14.02% ($2.00/share annually). VYM yields 2.41% ($3.51/share annually). The yield gap is 11.61 percentage points.

Home › Compare › XCRA vs VYM

XCRA vs VYM: Dividend Comparison 2026

XCRA yields 14.02% · VYM yields 2.41%● Live data

vsPost on X →

After 10 years · $10,000 invested · DRIP enabled

🏆 XCRA wins by $22.4K in total portfolio value

INVESTMENT

TIME HORIZON10 years

XCRA

● Live price

14.02%

Share price

$14.27

Annual div

$2.00

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$50.2K

Annual income

$3,340.58

Full XCRA calculator →

VYM

Vanguard High Dividend Yield ETF

● Live price

2.41%

Share price

$145.48

Annual div

$3.51

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$27.8K

Annual income

$278.55

Full VYM calculator →

Portfolio growth — XCRA vs VYM

📍 XCRA 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 Period	XCRA	VYM
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, XCRA + VYM cover 0 of 12 months — good coverage

Jan

—

Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

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Sep

—

Oct

—

Nov

—

Dec

—

XCRA pays

VYM pays

Both pay

Neither

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Tax Bracket Optimizer

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

XCRA

Annual income on $10K today (after 15% tax)

$1,191.31/yr

After 10yr DRIP, annual income (after tax)

$2,839.49/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, XCRA beats the other by $2,602.73/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 XCRA + VYM for your $10,000?

XCRA: 50%VYM: 50%

100% VYM50/50100% XCRA

Portfolio after 10yr

$39.0K

Annual income

$1,809.56/yr

Blended yield

4.64%

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

XCRA buys

VYM buys

Politician	Chamber	Ticker	Type	Amount	Date
Carol Devine Miller	🏢 House	$VYM	▲ Buy	$15,001 - $50,000	2022-11-02

STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →

MetricXCRAVYM

Forward yield	14.02% ✓	2.41%
Annual dividend / share	$2.00	$3.51 ✓
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	0%	0%
Portfolio after 10y	$50.2K ✓	$27.8K
Annual income after 10y	$3,340.58 ✓	$278.55
Total dividends collected	$23.3K ✓	$2.6K
Payment frequency	quarterly	quarterly
Sector	Stock	ETF

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

Year	XCRA Portfolio	XCRA Income/yr	VYM Portfolio	VYM Income/yr	Gap
1← crossover	$12,102	$1,401.54	$11,151	$241.44	+$951.00 → XCRA
2	$14,534	$1,585.12	$12,413	$246.79	+$2.1K → XCRA
3	$17,330	$1,779.17	$13,794	$251.79	+$3.5K → XCRA
4	$20,526	$1,982.72	$15,306	$256.47	+$5.2K → XCRA
5	$24,158	$2,194.72	$16,960	$260.84	+$7.2K → XCRA
6	$28,263	$2,414.03	$18,768	$264.92	+$9.5K → XCRA
7	$32,881	$2,639.48	$20,745	$268.71	+$12.1K → XCRA
8	$38,052	$2,869.85	$22,905	$272.24	+$15.1K → XCRA
9	$43,820	$3,103.95	$25,265	$275.51	+$18.6K → XCRA
10	$50,228	$3,340.58	$27,842	$278.55	+$22.4K → XCRA

XCRA vs VYM: Complete Analysis 2026

XCRA — Stock

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

Full XCRA Calculator →

VYM — ETF

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.