Is ZIONL or VYM a better dividend investment in 2026?

ZIONL currently yields 9.59% with a 5% 5-year dividend growth rate. VYM yields 2.41% with 7.8% growth. The better choice depends on your goal: ZIONL offers higher current income.

What is the dividend yield difference between ZIONL and VYM?

ZIONL has a forward dividend yield of 9.59% ($2.40/share annually). VYM yields 2.41% ($3.51/share annually). The yield gap is 7.18 percentage points.

Home › Compare › ZIONL vs VYM

ZIONL vs VYM: Dividend Comparison 2026

ZIONL yields 9.59% · VYM yields 2.41%● Live data

vsPost on X →

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

🏆 ZIONL wins by $47.0K in total portfolio value

INVESTMENT

TIME HORIZON10 years

ZIONL

● Live price

9.59%

Share price

$25.00

Annual div

$2.40

5Y div CAGR

14.7%

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$74.8K

Annual income

$12,058.97

Full ZIONL 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 — ZIONL vs VYM

📍 ZIONL 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	ZIONL	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, ZIONL + 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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ZIONL 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.

ZIONL

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

$814.88/yr

After 10yr DRIP, annual income (after tax)

$10,250.12/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, ZIONL beats the other by $10,013.36/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 ZIONL + VYM for your $10,000?

ZIONL: 50%VYM: 50%

100% VYM50/50100% ZIONL

Portfolio after 10yr

$51.3K

Annual income

$6,168.76/yr

Blended yield

12.02%

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

ZIONL 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 →

MetricZIONLVYM

Forward yield	9.59% ✓	2.41%
Annual dividend / share	$2.40	$3.51 ✓
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	14.7% ✓	0%
Portfolio after 10y	$74.8K ✓	$27.8K
Annual income after 10y	$12,058.97 ✓	$278.55
Total dividends collected	$45.9K ✓	$2.6K
Payment frequency	quarterly	quarterly
Sector	Stock	ETF

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

Year	ZIONL Portfolio	ZIONL Income/yr	VYM Portfolio	VYM Income/yr	Gap
1← crossover	$11,800	$1,099.62	$11,151	$241.44	+$649.00 → ZIONL
2	$14,016	$1,390.88	$12,413	$246.79	+$1.6K → ZIONL
3	$16,769	$1,771.08	$13,794	$251.79	+$3.0K → ZIONL
4	$20,214	$2,271.32	$15,306	$256.47	+$4.9K → ZIONL
5	$24,564	$2,935.00	$16,960	$260.84	+$7.6K → ZIONL
6	$30,107	$3,823.27	$18,768	$264.92	+$11.3K → ZIONL
7	$37,237	$5,023.19	$20,745	$268.71	+$16.5K → ZIONL
8	$46,504	$6,660.01	$22,905	$272.24	+$23.6K → ZIONL
9	$58,675	$8,915.92	$25,265	$275.51	+$33.4K → ZIONL
10	$74,841	$12,058.97	$27,842	$278.55	+$47.0K → ZIONL

ZIONL vs VYM: Complete Analysis 2026

ZIONL — Stock

Zions Bancorporation engages in the provision of banking and related services and offers commercial, retail banking and mortgage lending products & services. Its products involves personal banking services to individuals, including home mortgages, bankcard, other installment loans, home equity lines of credit, checking accounts, savings accounts, certificates of deposit of various types and maturities, trust services, safe deposit facilities, direct deposit, and Internet & mobile banking. The company was founded in April 1955 and is headquartered in Salt Lake City, UT.

Full ZIONL 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.