Is RAFLF or MO a better dividend investment in 2026?

RAFLF currently yields 2.50% with a 5% 5-year dividend growth rate. MO yields 6.27% with 4.3% growth. The better choice depends on your goal: MO offers higher current income.

What is the dividend yield difference between RAFLF and MO?

RAFLF has a forward dividend yield of 2.50% ($0.02/share annually). MO yields 6.27% ($4.20/share annually). The yield gap is 3.77 percentage points.

Home › Compare › RAFLF vs MO

RAFLF vs MO: Dividend Comparison 2026

RAFLF yields 2.50% · MO yields 6.27%● Live data

vsPost on X →

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

🏆 RAFLF wins by $173.95M in total portfolio value

INVESTMENT

TIME HORIZON10 years

RAFLF

● Live price

2.50%

Share price

$0.80

Annual div

$0.02

5Y div CAGR

100%

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$174.02M

Annual income

$161,605,883.52

Full RAFLF calculator →

Altria Group Inc.

● Live price

6.27%

Share price

$67.02

Annual div

$4.20

5Y div CAGR

22.6%

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$77.7K

Annual income

$28,968.54

Full MO calculator →

Portfolio growth — RAFLF vs MO

📍 RAFLF 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	RAFLF	MO
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, RAFLF + MO cover 0 of 12 months — good coverage

Jan

—

Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

RAFLF pays

MO pays

Both pay

Neither

💰

Tax Bracket Optimizer

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

RAFLF

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

$212.50/yr

After 10yr DRIP, annual income (after tax)

$137,365,000.99/yr

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

$532.68/yr

After 10yr DRIP, annual income (after tax)

$24,623.26/yr

At 15% tax rate, RAFLF beats the other by $137,340,377.73/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 RAFLF + MO for your $10,000?

RAFLF: 50%MO: 50%

100% MO50/50100% RAFLF

Portfolio after 10yr

$87.05M

Annual income

$80,817,426.03/yr

Blended yield

92.84%

📊

Analyst Conviction Gap

Where Wall Street is most bullish on MO right now

RAFLF

No analyst data

Altman Z

4.5

Piotroski

7/9

Analyst Ratings

Buy

Hold

Sell

Consensus: Buy

Price Target

$61.25

-8.6% upside vs current

Range: $47.00 — $68.00

Altman Z

3.2

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)

RAFLF buys

MO buys

No recent congressional trades found for RAFLF or MO in the last 90 days.

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

MetricRAFLFMO

Forward yield	2.50%	6.27% ✓
Annual dividend / share	$0.02	$4.20 ✓
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	100% ✓	22.6%
Portfolio after 10y	$174.02M ✓	$77.7K
Annual income after 10y	$161,605,883.52 ✓	$28,968.54
Total dividends collected	$173.07M ✓	$72.0K
Payment frequency	quarterly	quarterly
Sector	Stock	Consumer Staples

Year-by-year: RAFLF vs MO ($10,000, DRIP)

Year	RAFLF Portfolio	RAFLF Income/yr	MO Portfolio	MO Income/yr	Gap
1← crossover	$11,200	$500.00	$10,558	$768.31	+$642.00 → RAFLF
2	$13,031	$1,046.73	$11,352	$1,015.87	+$1.7K → RAFLF
3	$16,219	$2,276.31	$12,482	$1,367.86	+$3.7K → RAFLF
4	$22,650	$5,295.88	$14,103	$1,883.39	+$8.5K → RAFLF
5	$38,060	$13,823.91	$16,472	$2,664.91	+$21.6K → RAFLF
6	$84,142	$43,417.83	$20,024	$3,897.79	+$64.1K → RAFLF
7	$269,447	$179,415.29	$25,537	$5,933.74	+$243.9K → RAFLF
8	$1,362,216	$1,073,907.87	$34,478	$9,476.77	+$1.33M → RAFLF
9	$11,605,696	$10,148,124.92	$49,776	$16,022.63	+$11.56M → RAFLF
10	$174,023,979	$161,605,883.52	$77,699	$28,968.54	+$173.95M → RAFLF

RAFLF vs MO: Complete Analysis 2026

RAFLF — Stock

Raffles Medical Group Ltd provides integrated private healthcare services primarily in Singapore, Greater China, Vietnam, Cambodia, and Japan. The company operates through Healthcare Services, Hospital Services, and Investment Holdings segments. Its flagship hospital is the Raffles Hospital, a tertiary care hospital that offers cancer, children and women care, Chinese medicine, counselling, dental, dialysis, diabetes and endocrinology, ear, nose, throat, eye, fertility, heart, internal medicine, neuroscience, pain management, rehabilitation, orthopedic, skin and aesthetics, surgery, nuclear medicine, and urology services. The company also offers emergency services, family medicine services, health screening, and various multi-disciplinary specialist clinic services. In addition, it trades in pharmaceutical and nutraceutical products, and diagnostic equipment; provides advisory and consultancy services, and develops IT solutions; and engages in research and experimental development on biotechnology, and life and medical science. Raffles Medical Group Ltd was founded in 1976 and is based in Singapore. Raffles Medical Group Ltd operates as a subsidiary of Raffles Medical Holdings Pte. Ltd.

Full RAFLF Calculator →

MO — Consumer Staples

Altria Group, Inc., through its subsidiaries, manufactures and sells smokeable and oral tobacco products in the United States. The company provides cigarettes primarily under the Marlboro brand; cigars and pipe tobacco principally under the Black & Mild brand; and moist smokeless tobacco products under the Copenhagen, Skoal, Red Seal, and Husky brands, as well as provides on! oral nicotine pouches. It sells its tobacco products primarily to wholesalers, including distributors; and large retail organizations, such as chain stores. Altria Group, Inc. was founded in 1822 and is headquartered in Richmond, Virginia.

Full MO 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.