Is XTAP or VYM a better dividend investment in 2026?

XTAP currently yields 4.84% with a 5% 5-year dividend growth rate. VYM yields 2.41% with 7.8% growth. The better choice depends on your goal: XTAP offers higher current income.

What is the dividend yield difference between XTAP and VYM?

XTAP has a forward dividend yield of 4.84% ($2.00/share annually). VYM yields 2.41% ($3.51/share annually). The yield gap is 2.43 percentage points.

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XTAP vs VYM: Dividend Comparison 2026

XTAP yields 4.84% · VYM yields 2.41%● Live data

vsPost on X →

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

🏆 VYM wins by $366.00 in total portfolio value· pulled ahead in Year 7

INVESTMENT

TIME HORIZON10 years

XTAP

● Live price

4.84%

Share price

$41.32

Annual div

$2.00

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$27.5K

Annual income

$659.91

Full XTAP 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 — XTAP vs VYM

📍 VYM pulled ahead of the other in Year 7

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	XTAP	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, XTAP + VYM cover 0 of 12 months — good coverage

Jan

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Feb

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Mar

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Apr

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May

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Jun

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Jul

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Aug

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Sep

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Oct

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Nov

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Dec

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XTAP 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.

XTAP

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

$411.47/yr

After 10yr DRIP, annual income (after tax)

$560.92/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, XTAP beats the other by $324.16/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 XTAP + VYM for your $10,000?

XTAP: 50%VYM: 50%

100% VYM50/50100% XTAP

Portfolio after 10yr

$27.7K

Annual income

$469.22/yr

Blended yield

1.70%

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

XTAP 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 →

MetricXTAPVYM

Forward yield	4.84% ✓	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	$27.5K	$27.8K ✓
Annual income after 10y	$659.91 ✓	$278.55
Total dividends collected	$5.8K ✓	$2.6K
Payment frequency	quarterly	quarterly
Sector	Stock	ETF

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

Year	XTAP Portfolio	XTAP Income/yr	VYM Portfolio	VYM Income/yr	Gap
1	$11,184	$484.09	$11,151	$241.44	+$33.00 → XTAP
2	$12,473	$505.99	$12,413	$246.79	+$60.00 → XTAP
3	$13,873	$527.38	$13,794	$251.79	+$79.00 → XTAP
4	$15,393	$548.22	$15,306	$256.47	+$87.00 → XTAP
5	$17,039	$568.47	$16,960	$260.84	+$79.00 → XTAP
6	$18,820	$588.09	$18,768	$264.92	+$52.00 → XTAP
7← crossover	$20,744	$607.06	$20,745	$268.71	$1.00 → VYM
8	$22,821	$625.36	$22,905	$272.24	$84.00 → VYM
9	$25,062	$642.98	$25,265	$275.51	$203.00 → VYM
10	$27,476	$659.91	$27,842	$278.55	$366.00 → VYM

XTAP vs VYM: Complete Analysis 2026

XTAP — Stock

The U.S. Equity Accelerated Plus ETF seeks to provide triple (3x) the upside return of SPY (SPDR S&P 500 ETF Trust), to a cap, with approximately single exposure to the downside, over an annual outcome period. The ETF can be held indefinitely, resetting at the end of each outcome period.

Full XTAP 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.