Is XTJL or VYM a better dividend investment in 2026?

XTJL currently yields 5.21% with a 5% 5-year dividend growth rate. VYM yields 2.41% with 7.8% growth. The better choice depends on your goal: XTJL offers higher current income.

What is the dividend yield difference between XTJL and VYM?

XTJL has a forward dividend yield of 5.21% ($2.00/share annually). VYM yields 2.41% ($3.51/share annually). The yield gap is 2.80 percentage points.

Home › Compare › XTJL vs VYM

XTJL vs VYM: Dividend Comparison 2026

XTJL yields 5.21% · VYM yields 2.41%● Live data

vsPost on X →

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

🏆 XTJL wins by $327.00 in total portfolio value

INVESTMENT

TIME HORIZON10 years

XTJL

● Live price

5.21%

Share price

$38.40

Annual div

$2.00

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$28.2K

Annual income

$726.58

Full XTJL 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 — XTJL vs VYM

📍 XTJL 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	XTJL	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, XTJL + 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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Sep

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Oct

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Nov

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Dec

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XTJL 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.

XTJL

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

$442.71/yr

After 10yr DRIP, annual income (after tax)

$617.59/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, XTJL beats the other by $380.83/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 XTJL + VYM for your $10,000?

XTJL: 50%VYM: 50%

100% VYM50/50100% XTJL

Portfolio after 10yr

$28.0K

Annual income

$502.56/yr

Blended yield

1.79%

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

XTJL 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 →

MetricXTJLVYM

Forward yield	5.21% ✓	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	$28.2K ✓	$27.8K
Annual income after 10y	$726.58 ✓	$278.55
Total dividends collected	$6.3K ✓	$2.6K
Payment frequency	quarterly	quarterly
Sector	Stock	ETF

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

Year	XTJL Portfolio	XTJL Income/yr	VYM Portfolio	VYM Income/yr	Gap
1← crossover	$11,221	$520.83	$11,151	$241.44	+$70.00 → XTJL
2	$12,552	$546.19	$12,413	$246.79	+$139.00 → XTJL
3	$14,002	$571.03	$13,794	$251.79	+$208.00 → XTJL
4	$15,578	$595.31	$15,306	$256.47	+$272.00 → XTJL
5	$17,287	$618.96	$16,960	$260.84	+$327.00 → XTJL
6	$19,139	$641.95	$18,768	$264.92	+$371.00 → XTJL
7	$21,143	$664.23	$20,745	$268.71	+$398.00 → XTJL
8	$23,309	$685.77	$22,905	$272.24	+$404.00 → XTJL
9	$25,647	$706.56	$25,265	$275.51	+$382.00 → XTJL
10	$28,169	$726.58	$27,842	$278.55	+$327.00 → XTJL

XTJL vs VYM: Complete Analysis 2026

XTJL — 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 XTJL 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.