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ZFSVF vs VYM: Dividend Comparison 2026

ZFSVF yields 5.05% · VYM yields 2.41%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 ZFSVF wins by $185.2K in total portfolio value
10 years
ZFSVF
ZFSVF
● Live price
5.05%
Share price
$673.58
Annual div
$33.99
5Y div CAGR
39.4%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$213.0K
Annual income
$88,501.43
Full ZFSVF 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 — ZFSVF vs VYM

📍 ZFSVF 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 PeriodZFSVFVYM
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, ZFSVF + VYM cover 0 of 12 months — good coverage

Jan
—
Feb
—
Mar
—
Apr
—
May
—
Jun
—
Jul
—
Aug
—
Sep
—
Oct
—
Nov
—
Dec
—
ZFSVF 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.

ZFSVF
Annual income on $10K today (after 15% tax)
$428.91/yr
After 10yr DRIP, annual income (after tax)
$75,226.22/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, ZFSVF beats the other by $74,989.45/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 ZFSVF + VYM for your $10,000?

ZFSVF: 50%VYM: 50%
100% VYM50/50100% ZFSVF
Portfolio after 10yr
$120.4K
Annual income
$44,389.99/yr
Blended yield
36.86%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on VYM right now

ZFSVF
Analyst Ratings
1
Sell
Consensus: Sell
Altman Z
0.7
Piotroski
5/9
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)

ZFSVF buys
0
VYM buys
0
No recent congressional trades found for ZFSVF or VYM in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricZFSVFVYM
Forward yield5.05% ✓2.41%
Annual dividend / share$33.99 ✓$3.51
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR39.4% ✓0%
Portfolio after 10y$213.0K ✓$27.8K
Annual income after 10y$88,501.43 ✓$278.55
Total dividends collected$177.8K ✓$2.6K
Payment frequencyquarterlyquarterly
SectorStockETF

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

YearZFSVF PortfolioZFSVF Income/yrVYM PortfolioVYM Income/yrGap
1← crossover$11,403$703.42$11,151$241.44+$252.00 → ZFSVF
2$13,247$1,045.02$12,413$246.79+$834.00 → ZFSVF
3$15,755$1,581.53$13,794$251.79+$2.0K → ZFSVF
4$19,309$2,450.65$15,306$256.47+$4.0K → ZFSVF
5$24,573$3,912.80$16,960$260.84+$7.6K → ZFSVF
6$32,781$6,487.43$18,768$264.92+$14.0K → ZFSVF
7$46,350$11,274.78$20,745$268.71+$25.6K → ZFSVF
8$70,364$20,769.16$22,905$272.24+$47.5K → ZFSVF
9$116,366$41,076.69$25,265$275.51+$91.1K → ZFSVF
10$213,013$88,501.43$27,842$278.55+$185.2K → ZFSVF

ZFSVF vs VYM: Complete Analysis 2026

ZFSVF — Stock

Zurich Insurance Group AG, together with its subsidiaries, provides insurance products and related services in Europe, the Middle East, Africa, North America, Latin America, and the Asia Pacific. The company operates through Property & Casualty Regions, Life Regions, Farmers, Group Functions and Operations, and Non-Core Businesses segments. It offers car, home, travel, general liability, life and critical illness, worker injury, and other insurance products; and saving and investment, and pension and retirement planning products. The company also provides property, casualty, management or professional liability, trade credit, political risk, marine, cyber risk, and financial institution insurance products. In addition, it offers employee benefit insurance products; reinsurance services; and non-claims and ancillary services to the farmers' exchanges. It serves individuals, small businesses, and mid-sized and large companies, as well as multinational corporations. The company sells its products through agents, brokers, and bank distribution channels. Zurich Insurance Group AG was founded in 1872 and is based in Zurich, Switzerland.

Full ZFSVF 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.