Is MSADF or DIVO a better dividend investment in 2026?

MSADF currently yields 3.40% with a 5% 5-year dividend growth rate. DIVO yields 6.62% with 5% growth. The better choice depends on your goal: DIVO offers higher current income.

What is the dividend yield difference between MSADF and DIVO?

MSADF has a forward dividend yield of 3.40% ($0.83/share annually). DIVO yields 6.62% ($2.91/share annually). The yield gap is 3.22 percentage points.

Home › Compare › MSADF vs DIVO

MSADF vs DIVO: Dividend Comparison 2026

MSADF yields 3.40% · DIVO yields 6.62%● Live data

vsPost on X →

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

🏆 MSADF wins by $780.87M in total portfolio value

INVESTMENT

TIME HORIZON10 years

MSADF

● Live price

3.40%

Share price

$24.38

Annual div

$0.83

5Y div CAGR

100%

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$780.90M

Annual income

$739,188,603.73

Full MSADF calculator →

DIVO

● Live price

6.62%

Share price

$44.00

Annual div

$2.91

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$31.0K

Annual income

$1,008.47

Full DIVO calculator →

Portfolio growth — MSADF vs DIVO

📍 MSADF 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	MSADF	DIVO
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, MSADF + DIVO cover 0 of 12 months — good coverage

Jan

—

Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

MSADF pays

DIVO pays

Both pay

Neither

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Tax Bracket Optimizer

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

MSADF

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

$289.38/yr

After 10yr DRIP, annual income (after tax)

$628,310,313.17/yr

DIVO

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

$562.67/yr

After 10yr DRIP, annual income (after tax)

$857.20/yr

At 15% tax rate, MSADF beats the other by $628,309,455.97/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 MSADF + DIVO for your $10,000?

MSADF: 50%DIVO: 50%

100% DIVO50/50100% MSADF

Portfolio after 10yr

$390.47M

Annual income

$369,594,806.11/yr

Blended yield

94.65%

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

MSADF buys

DIVO buys

No recent congressional trades found for MSADF or DIVO in the last 90 days.

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

MetricMSADFDIVO

Forward yield	3.40%	6.62% ✓
Annual dividend / share	$0.83	$2.91 ✓
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	100% ✓	0%
Portfolio after 10y	$780.90M ✓	$31.0K
Annual income after 10y	$739,188,603.73 ✓	$1,008.47
Total dividends collected	$777.86M ✓	$8.4K
Payment frequency	quarterly	quarterly
Sector	Stock	ETF

Year-by-year: MSADF vs DIVO ($10,000, DRIP)

Year	MSADF Portfolio	MSADF Income/yr	DIVO Portfolio	DIVO Income/yr	Gap
1← crossover	$11,381	$680.89	$11,362	$661.96	+$19.00 → MSADF
2	$13,626	$1,448.43	$12,860	$702.91	+$766.00 → MSADF
3	$17,821	$3,241.41	$14,504	$743.56	+$3.3K → MSADF
4	$26,993	$7,924.10	$16,303	$783.73	+$10.7K → MSADF
5	$51,316	$22,434.02	$18,268	$823.31	+$33.0K → MSADF
6	$134,627	$79,718.83	$20,408	$862.17	+$114.2K → MSADF
7	$534,968	$390,917.19	$22,737	$900.20	+$512.2K → MSADF
8	$3,475,944	$2,903,528.07	$25,266	$937.31	+$3.45M → MSADF
9	$38,982,072	$35,262,811.19	$28,008	$973.42	+$38.95M → MSADF
10	$780,899,420	$739,188,603.73	$30,977	$1,008.47	+$780.87M → MSADF

MSADF vs DIVO: Complete Analysis 2026

MSADF — Stock

MS&AD Insurance Group Holdings, Inc., an insurance holding company, provides insurance and financial services worldwide. The company offers fire and allied, marine, personal accident, voluntary automobile, compulsory automobile liability, and others non-life insurance products; life insurance products; and reinsurance services. It also provides risk-related services. The company was formerly known as Mitsui Sumitomo Insurance Group Holdings, Inc. and changed its name to MS&AD Insurance Group Holdings, Inc. in April 2010. MS&AD Insurance Group Holdings, Inc. was founded in 1918 and is headquartered in Tokyo, Japan.

Full MSADF Calculator →

DIVO — ETF

DIVO is an ETF of high-quality large cap companies with a history of dividend and earnings growth, along with a tactical covered call* strategy on individual stocks. DIVO is strategically designed to offer high levels of total return on a risk-adjusted basis.

Full DIVO 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.