Is LTFIX or BTI a better dividend investment in 2026?

LTFIX currently yields 9.21% with a 5% 5-year dividend growth rate. BTI yields 5.38% with 5% growth. The better choice depends on your goal: LTFIX offers higher current income.

What is the dividend yield difference between LTFIX and BTI?

LTFIX has a forward dividend yield of 9.21% ($1.53/share annually). BTI yields 5.38% ($3.15/share annually). The yield gap is 3.83 percentage points.

Home › Compare › LTFIX vs BTI

LTFIX vs BTI: Dividend Comparison 2026

LTFIX yields 9.21% · BTI yields 5.38%● Live data

vsPost on X →

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

🏆 BTI wins by $924.00 in total portfolio value· pulled ahead in Year 10

INVESTMENT

TIME HORIZON10 years

LTFIX

● Live price

9.21%

Share price

$16.57

Annual div

$1.53

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$36.8K

Annual income

$1,644.54

Full LTFIX calculator →

BTI

● Live price

5.38%

Share price

$58.47

Annual div

$3.15

5Y div CAGR

11.3%

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$37.7K

Annual income

$2,786.64

Full BTI calculator →

Portfolio growth — LTFIX vs BTI

📍 BTI pulled ahead of the other in Year 10

Annual dividend income

🛡️

Recession Test — Did They Cut Dividends?

How each stock treated shareholders during the 3 biggest crises of the last 20 years

Crisis Period	LTFIX	BTI
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, LTFIX + BTI cover 0 of 12 months — good coverage

Jan

—

Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

LTFIX pays

BTI pays

Both pay

Neither

💰

Tax Bracket Optimizer

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

LTFIX

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

$782.54/yr

After 10yr DRIP, annual income (after tax)

$1,397.86/yr

BTI

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

$457.40/yr

After 10yr DRIP, annual income (after tax)

$2,368.64/yr

At 15% tax rate, BTI beats the other by $970.78/year in after-tax income after 10 years on $10,000

⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of LTFIX + BTI for your $10,000?

LTFIX: 50%BTI: 50%

100% BTI50/50100% LTFIX

Portfolio after 10yr

$37.2K

Annual income

$2,215.59/yr

Blended yield

5.95%

📊

Analyst Conviction Gap

Where Wall Street is most bullish on BTI right now

LTFIX

No analyst data

BTI

Analyst Ratings

Buy

Hold

Sell

Consensus: Buy

Price Target

$40.00

-31.6% upside vs current

Range: $40.00 — $40.00

Altman Z

2.1

Piotroski

7/9

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.

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

LTFIX buys

BTI buys

No recent congressional trades found for LTFIX or BTI in the last 90 days.

STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →

MetricLTFIXBTI

Forward yield	9.21% ✓	5.38%
Annual dividend / share	$1.53	$3.15 ✓
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	0%	11.3% ✓
Portfolio after 10y	$36.8K	$37.7K ✓
Annual income after 10y	$1,644.54	$2,786.64 ✓
Total dividends collected	$12.8K	$14.3K ✓
Payment frequency	quarterly	quarterly
Sector	Stock	Consumer Staples

Year-by-year: LTFIX vs BTI ($10,000, DRIP)

Year	LTFIX Portfolio	LTFIX Income/yr	BTI Portfolio	BTI Income/yr	Gap
1	$11,621	$920.64	$11,299	$598.92	+$322.00 → LTFIX
2	$13,434	$999.85	$12,794	$703.91	+$640.00 → LTFIX
3	$15,455	$1,080.25	$14,518	$829.07	+$937.00 → LTFIX
4	$17,698	$1,161.44	$16,513	$978.64	+$1.2K → LTFIX
5	$20,180	$1,243.01	$18,827	$1,157.84	+$1.4K → LTFIX
6	$22,917	$1,324.60	$21,518	$1,373.12	+$1.4K → LTFIX
7	$25,927	$1,405.86	$24,657	$1,632.46	+$1.3K → LTFIX
8	$29,228	$1,486.46	$28,329	$1,945.74	+$899.00 → LTFIX
9	$32,840	$1,566.11	$32,637	$2,325.33	+$203.00 → LTFIX
10← crossover	$36,784	$1,644.54	$37,708	$2,786.64	$924.00 → BTI

LTFIX vs BTI: Complete Analysis 2026

LTFIX — Stock

The fund operates as a "target date fund" that invests according to an asset allocation strategy designed for investors having a retirement investment goal close to the year in 2055. It is a fund of funds and invests in underlying funds of Principal Funds, Inc. ("PFI"). Its underlying funds consist of domestic and foreign equity funds, fixed-income funds, real asset funds, and other funds that aim to offer diversification beyond traditional equity and fixed-income securities.

Full LTFIX Calculator →

BTI — Consumer Staples

British American Tobacco p.l.c. provides tobacco and nicotine products to consumers in the Americas, Europe, the Asia-Pacific, the Middle East, Africa, and the United States. It offers vapour, heated, and modern oral nicotine products; combustible cigarettes; and traditional oral products, such as snus and moist snuff. The company provides its products under the Vuse, glo, Velo, Grizzly, Kodiak, Dunhill, Kent, Lucky Strike, Pall Mall, Rothmans, Newport, Natural American Spirit, and Camel brands. The company distributes its products to retail outlets. British American Tobacco p.l.c. was founded in 1902 and is based in London, the United Kingdom.

Full BTI 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.