HomeCompareXLY vs VYM

XLY vs VYM: Dividend Comparison 2026

XLY yields 0.82% · VYM yields 2.41%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 VYM wins by $7.0K in total portfolio value
10 years
XLY
XLY
● Live price
0.82%
Share price
$108.98
Annual div
$0.89
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$20.8K
Annual income
$86.37
Full XLY 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 — XLY 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 PeriodXLYVYM
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, XLY + VYM cover 0 of 12 monthsgood coverage

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

Tax Bracket Optimizer

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

XLY
Annual income on $10K today (after 15% tax)
$69.61/yr
After 10yr DRIP, annual income (after tax)
$73.41/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 $163.35/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

XLY: 50%VYM: 50%
100% VYM50/50100% XLY
Portfolio after 10yr
$24.3K
Annual income
$182.45/yr
Blended yield
0.75%
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Analyst Conviction Gap

Where Wall Street is most bullish on XLY right now

XLY
Analyst Ratings
1
Buy
Consensus: Buy
VYM
No analyst data
Analyst ratings via FMP. Altman Z-Score: >3.0 safe, 1.81–3.0 grey zone, <1.81 distress. Piotroski: 7–9 strong, 0–3 weak.
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Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

XLY buys
2
VYM buys
1
PoliticianChamberTickerTypeAmountDate
Carol Devine Miller🏢 House$VYM▲ Buy$15,001 - $50,0002022-11-02
Tommy Tuberville🏛 Senate$XLY▼ Sell$15,001 - $50,0002022-08-01
Tommy Tuberville🏛 Senate$XLY▼ Sell$15,001 - $50,0002022-08-01
Tommy Tuberville🏛 Senate$XLY▲ Buy$15,001 - $50,0002021-07-16
Tommy Tuberville🏛 Senate$XLY▲ Buy$15,001 - $50,0002021-07-16
Charles J. "Chuck" Fleischmann🏢 House$XLY▼ Sell$1,001 - $15,0002021-01-21
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricXLYVYM
Forward yield0.82%2.41%
Annual dividend / share$0.89$3.51
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR0%0%
Portfolio after 10y$20.8K$27.8K
Annual income after 10y$86.37$278.55
Total dividends collected$843.00$2.6K
Payment frequencyquarterlyquarterly
SectorETFETF

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

YearXLY PortfolioXLY Income/yrVYM PortfolioVYM Income/yrGap
1← crossover$10,782$81.89$11,151$241.44$369.00VYM
2$11,619$82.52$12,413$246.79$794.00VYM
3$12,516$83.11$13,794$251.79$1.3KVYM
4$13,475$83.67$15,306$256.47$1.8KVYM
5$14,503$84.19$16,960$260.84$2.5KVYM
6$15,603$84.68$18,768$264.92$3.2KVYM
7$16,780$85.14$20,745$268.71$4.0KVYM
8$18,040$85.58$22,905$272.24$4.9KVYM
9$19,389$85.99$25,265$275.51$5.9KVYM
10$20,833$86.37$27,842$278.55$7.0KVYM

XLY vs VYM: Complete Analysis 2026

XLYETF

The State Street Consumer Discretionary Select Sector SPDR ETF seeks to provide investment results that, before expenses, correspond generally to the price and yield performance of the Consumer Discretionary Select Sector Index (the "Index")The Index seeks to provide an effective representation of the consumer discretionary sector of the S&P 500 IndexSeeks to provide precise exposure to companies in specialty retail; broadline retail; hotels, restaurants and leisure; textiles, apparel and luxury goods; household durables; automobiles; automobile components; distributors; leisure products; and diversified consumer services.Allows investors to take strategic or tactical positions at a more targeted level than traditional style based investing

Full XLY 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.