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MMKT vs ADC: Dividend Comparison 2026

MMKT yields 3.85% · ADC yields 4.13%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 ADC wins by $153.3K in total portfolio value· pulled ahead in Year 2
10 years
MMKT
MMKT
● Live price
3.85%
Share price
$100.22
Annual div
$3.86
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$25.7K
Annual income
$492.96
Full MMKT calculator →
ADC
Agree Realty Corporation
● Live price
4.13%
Share price
$74.97
Annual div
$3.10
5Y div CAGR
40.4%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$178.9K
Annual income
$80,797.29
Full ADC calculator →

Portfolio growth — MMKT vs ADC

📍 ADC pulled ahead of the other in Year 2

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 PeriodMMKTADC
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, MMKT + ADC cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
MMKT pays
ADC pays
Both pay
Neither
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Tax Bracket Optimizer

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

MMKT
Annual income on $10K today (after 15% tax)
$327.22/yr
After 10yr DRIP, annual income (after tax)
$419.02/yr
ADC
Annual income on $10K today (after 15% tax)
$351.36/yr
After 10yr DRIP, annual income (after tax)
$68,677.70/yr
At 15% tax rate, ADC beats the other by $68,258.68/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of MMKT + ADC for your $10,000?

MMKT: 50%ADC: 50%
100% ADC50/50100% MMKT
Portfolio after 10yr
$102.3K
Annual income
$40,645.13/yr
Blended yield
39.72%
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Analyst Conviction Gap

Where Wall Street is most bullish on ADC right now

MMKT
No analyst data
ADC
Analyst Ratings
1
Strong
22
Buy
9
Hold
Consensus: Buy
Price Target
$81.06
+8.1% upside vs current
Range: $75.00 — $84.50
Altman Z
1.6
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)

MMKT buys
0
ADC buys
0
No recent congressional trades found for MMKT or ADC in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricMMKTADC
Forward yield3.85%4.13%
Annual dividend / share$3.86$3.10
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR0%40.4%
Portfolio after 10y$25.7K$178.9K
Annual income after 10y$492.96$80,797.29
Total dividends collected$4.4K$156.7K
Payment frequencyquarterlymonthly
SectorStockREIT

Year-by-year: MMKT vs ADC ($10,000, DRIP)

YearMMKT PortfolioMMKT Income/yrADC PortfolioADC Income/yrGap
1$11,085$384.96$10,990$580.36+$95.00MMKT
2← crossover$12,260$398.81$12,301$860.26$41.00ADC
3$13,530$412.22$14,104$1,298.62$574.00ADC
4$14,902$425.18$16,691$2,008.16$1.8KADC
5$16,383$437.66$20,580$3,205.09$4.2KADC
6$17,980$449.67$26,754$5,330.02$8.8KADC
7$19,700$461.21$37,196$9,345.14$17.5KADC
8$21,551$472.27$56,244$17,523.09$34.7KADC
9$23,542$482.85$94,286$35,736.21$70.7KADC
10$25,683$492.96$178,949$80,797.29$153.3KADC

MMKT vs ADC: Complete Analysis 2026

MMKTStock

MMKT is the first ETF to comply with Rule 2a-7 of the 1940 Act, technically qualifying as a government money market fund. The rule is designed to preserve stability and liquidity, ensuring that redemption requests can be fulfilled. However, MMKT will not maintain a stable net asset value (NAV) of $1. The fund will allocate at least 99.5% of its assets to cash, US government securities, or fully collateralized repurchase agreements. The objective is to generate competitive yields while preserving capital. Note that a significant portion of the funds assets are overnight repurchase agreements, and income from these may not be exempt from state and local taxes, which could affect the after-tax yield compared to traditional government securities.

Full MMKT Calculator →

ADCREIT

Agree Realty Corporation is a publicly traded real estate investment trust primarily engaged in the acquisition and development of properties net leased to industry-leading retail tenants. As of September 30, 2020, the Company owned and operated a portfolio of 1,027 properties, located in 45 states and containing approximately 21.0 million square feet of gross leasable area. The Company's common stock is listed on the New York Stock Exchange under the symbol ADC.

Full ADC 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.