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TEF vs ADC: Dividend Comparison 2026

TEF yields 4.00% · ADC yields 4.39%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 TEF wins by $4.5K in total portfolio value
10 years
TEF
TEF
● Live price
4.00%
Share price
$50.00
Annual div
$2.00
5Y div CAGR
5%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$28.0K
Annual income
$899.19
Full TEF calculator →
ADC
Agree Realty Corporation
● Live price
4.39%
Share price
$68.40
Annual div
$3.00
5Y div CAGR
5.2%
Payout ratio
73%
After 10 yrs · $10,000 · DRIP
Portfolio value
$23.5K
Annual income
$1,093.74
Full ADC calculator →

Portfolio growth — TEF vs ADC

📍 TEF 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 PeriodTEFADC
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, TEF + ADC cover 0 of 12 months — good coverage

Jan
—
Feb
—
Mar
—
Apr
—
May
—
Jun
—
Jul
—
Aug
—
Sep
—
Oct
—
Nov
—
Dec
—
TEF pays
ADC pays
Both pay
Neither
💰

Tax Bracket Optimizer

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

TEF
Annual income on $10K today (after 15% tax)
$340.00/yr
After 10yr DRIP, annual income (after tax)
$764.31/yr
ADC
Annual income on $10K today (after 15% tax)
$372.81/yr
After 10yr DRIP, annual income (after tax)
$929.68/yr
At 15% tax rate, ADC beats the other by $165.37/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

TEF: 50%ADC: 50%
100% ADC50/50100% TEF
Portfolio after 10yr
$25.8K
Annual income
$996.47/yr
Blended yield
3.86%
🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

TEF buys
0
ADC buys
0
No recent congressional trades found for TEF or ADC in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricTEFADC
Forward yield4.00%4.39% ✓
Annual dividend / share$2.00$3.00 ✓
Payout ratio50% ✓73%
1-year div growth5% ✓2.8%
5-year div CAGR5%5.2% ✓
Portfolio after 10y$28.0K ✓$23.5K
Annual income after 10y$899.19$1,093.74 ✓
Total dividends collected$6.4K$7.4K ✓
Payment frequencyquarterlymonthly
SectorStockREIT

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

YearTEF PortfolioTEF Income/yrADC PortfolioADC Income/yrGap
1← crossover$11,120$420.00$10,871$461.40+$249.00 → TEF
2$12,357$458.31$11,824$506.91+$533.00 → TEF
3$13,721$499.76$12,866$557.16+$855.00 → TEF
4$15,227$544.58$14,006$612.66+$1.2K → TEF
5$16,885$593.02$15,254$674.00+$1.6K → TEF
6$18,713$645.34$16,622$741.82+$2.1K → TEF
7$20,724$701.81$18,120$816.86+$2.6K → TEF
8$22,938$762.73$19,763$899.90+$3.2K → TEF
9$25,372$828.41$21,565$991.86+$3.8K → TEF
10$28,047$899.19$23,543$1,093.74+$4.5K → TEF

TEF vs ADC: Complete Analysis 2026

TEF — Stock

TEF is a dividend-paying stock. Use this calculator to estimate your future dividend income, DRIP compounding returns, and passive income potential from investing in TEF shares.

Full TEF Calculator →

ADC — REIT

Agree Realty is a net-lease REIT focused on high-quality retail tenants including Walmart, Home Depot, and Tractor Supply. Its monthly dividend and focus on investment-grade tenants make it a conservative REIT alternative to Realty Income. Conservative leverage and disciplined acquisition strategy set it apart.

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.