Is VLI or ADC a better dividend investment in 2026?

VLI currently yields 408.16% with a 5% 5-year dividend growth rate. ADC yields 4.13% with 5.2% growth. The better choice depends on your goal: VLI offers higher current income.

What is the dividend yield difference between VLI and ADC?

VLI has a forward dividend yield of 408.16% ($2.00/share annually). ADC yields 4.13% ($3.10/share annually). The yield gap is 404.03 percentage points.

Home › Compare › VLI vs ADC

VLI vs ADC: Dividend Comparison 2026

VLI yields 408.16% · ADC yields 4.13%● Live data

vsPost on X →

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

🏆 VLI wins by $13266.17M in total portfolio value

INVESTMENT

TIME HORIZON10 years

VLI

● Live price

408.16%

Share price

$0.49

Annual div

$2.00

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$13266.35M

Annual income

$8,951,942,333.18

Full VLI 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 — VLI vs ADC

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

Jan

—

Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

VLI 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.

VLI

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

$34,693.88/yr

After 10yr DRIP, annual income (after tax)

$7,609,150,983.20/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, VLI beats the other by $7,609,082,305.51/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 VLI + ADC for your $10,000?

VLI: 50%ADC: 50%

100% ADC50/50100% VLI

Portfolio after 10yr

$6633.26M

Annual income

$4,476,011,565.24/yr

Blended yield

67.48%

📊

Analyst Conviction Gap

Where Wall Street is most bullish on ADC right now

VLI

No analyst data

ADC

Analyst Ratings

Strong

Buy

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.

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Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

VLI buys

ADC buys

No recent congressional trades found for VLI or ADC in the last 90 days.

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

MetricVLIADC

Forward yield	408.16% ✓	4.13%
Annual dividend / share	$2.00	$3.10 ✓
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	0%	40.4% ✓
Portfolio after 10y	$13266.35M ✓	$178.9K
Annual income after 10y	$8,951,942,333.18 ✓	$80,797.29
Total dividends collected	$12871.54M ✓	$156.7K
Payment frequency	quarterly	monthly
Sector	Stock	REIT

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

Year	VLI Portfolio	VLI Income/yr	ADC Portfolio	ADC Income/yr	Gap
1← crossover	$51,516	$40,816.33	$10,990	$580.36	+$40.5K → VLI
2	$251,637	$196,514.69	$12,301	$860.26	+$239.3K → VLI
3	$1,166,352	$897,100.58	$14,104	$1,298.62	+$1.15M → VLI
4	$5,134,082	$3,886,085.48	$16,691	$2,008.16	+$5.12M → VLI
5	$21,480,272	$15,986,803.86	$20,580	$3,205.09	+$21.46M → VLI
6	$85,494,655	$62,510,763.88	$26,754	$5,330.02	+$85.47M → VLI
7	$324,004,581	$232,525,300.29	$37,196	$9,345.14	+$323.97M → VLI
8	$1,170,251,307	$823,566,405.33	$56,244	$17,523.09	+$1170.20M → VLI
9	$4,032,156,309	$2,779,987,409.90	$94,286	$35,736.21	+$4032.06M → VLI
10	$13,266,349,583	$8,951,942,333.18	$178,949	$80,797.29	+$13266.17M → VLI

VLI vs ADC: Complete Analysis 2026

VLI — Stock

NuStar Energy L.P. was a publicly traded master limited partnership (MLP) engaged in the terminalling and storage of petroleum products, transportation of petroleum products and anhydrous ammonia, and marketing of petroleum products. The company operated through three segments: storage, pipeline, and fuels marketing. NuStar’s assets included refined product terminals, crude oil storage tanks, and pipeline networks. On May 3, 2024, Sunoco completed its acquisition of NuStar Energy L.P., and NuStar shares were delisted.

Full VLI Calculator →

ADC — REIT

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.