Is VLIFX or FCPT a better dividend investment in 2026?

VLIFX currently yields 2.30% with a 5% 5-year dividend growth rate. FCPT yields 6.05% with 5% growth. The better choice depends on your goal: FCPT offers higher current income.

What is the dividend yield difference between VLIFX and FCPT?

VLIFX has a forward dividend yield of 2.30% ($0.73/share annually). FCPT yields 6.05% ($1.43/share annually). The yield gap is 3.75 percentage points.

Home › Compare › VLIFX vs FCPT

VLIFX vs FCPT: Dividend Comparison 2026

VLIFX yields 2.30% · FCPT yields 6.05%● Live data

vsPost on X →

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

🏆 FCPT wins by $26.0K in total portfolio value

INVESTMENT

TIME HORIZON10 years

VLIFX

● Live price

2.30%

Share price

$31.87

Annual div

$0.73

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$23.1K

Annual income

$266.21

Full VLIFX calculator →

FCPT

● Live price

6.05%

Share price

$23.65

Annual div

$1.43

5Y div CAGR

15.8%

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$49.1K

Annual income

$5,775.28

Full FCPT calculator →

Portfolio growth — VLIFX vs FCPT

📍 FCPT 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	VLIFX	FCPT
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, VLIFX + FCPT cover 0 of 12 months — good coverage

Jan

—

Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

VLIFX pays

FCPT pays

Both pay

Neither

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Tax Bracket Optimizer

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

VLIFX

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

$195.10/yr

After 10yr DRIP, annual income (after tax)

$226.28/yr

FCPT

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

$514.49/yr

After 10yr DRIP, annual income (after tax)

$4,908.99/yr

At 15% tax rate, FCPT beats the other by $4,682.71/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 VLIFX + FCPT for your $10,000?

VLIFX: 50%FCPT: 50%

100% FCPT50/50100% VLIFX

Portfolio after 10yr

$36.1K

Annual income

$3,020.75/yr

Blended yield

8.37%

📊

Analyst Conviction Gap

Where Wall Street is most bullish on FCPT right now

VLIFX

No analyst data

FCPT

Analyst Ratings

Buy

Hold

Consensus: Hold

Price Target

$27.00

+14.2% upside vs current

Range: $25.00 — $29.00

Altman Z

1.4

Piotroski

6/9

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)

VLIFX buys

FCPT buys

No recent congressional trades found for VLIFX or FCPT in the last 90 days.

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

MetricVLIFXFCPT

Forward yield	2.30%	6.05% ✓
Annual dividend / share	$0.73	$1.43 ✓
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	0%	15.8% ✓
Portfolio after 10y	$23.1K	$49.1K ✓
Annual income after 10y	$266.21	$5,775.28 ✓
Total dividends collected	$2.5K	$24.1K ✓
Payment frequency	quarterly	quarterly
Sector	Stock	REIT

Year-by-year: VLIFX vs FCPT ($10,000, DRIP)

Year	VLIFX Portfolio	VLIFX Income/yr	FCPT Portfolio	FCPT Income/yr	Gap
1← crossover	$10,930	$229.53	$11,401	$700.92	$471.00 → FCPT
2	$11,929	$234.45	$13,064	$864.84	$1.1K → FCPT
3	$13,003	$239.15	$15,051	$1,072.48	$2.0K → FCPT
4	$14,157	$243.63	$17,442	$1,337.22	$3.3K → FCPT
5	$15,396	$247.90	$20,340	$1,677.08	$4.9K → FCPT
6	$16,726	$251.95	$23,880	$2,116.57	$7.2K → FCPT
7	$18,152	$255.81	$28,241	$2,689.36	$10.1K → FCPT
8	$19,682	$259.46	$33,660	$3,442.07	$14.0K → FCPT
9	$21,323	$262.93	$40,456	$4,439.95	$19.1K → FCPT
10	$23,082	$266.21	$49,063	$5,775.28	$26.0K → FCPT

VLIFX vs FCPT: Complete Analysis 2026

VLIFX — Stock

The fund invests substantially all of the fund's net assets in common stocks. Under normal circumstances, the Adviser invests at least 80% of the fund's assets in common stocks and other equity securities of mid-sized companies (the "80% Policy"). During the investment selection process, the Adviser performs fundamental and quantitative analysis on each company and utilizes the rankings of companies by the Value Line Timeliness™ Ranking System (the "Ranking System") to assist in selecting securities for purchase.

Full VLIFX Calculator →

FCPT — REIT

FCPT, headquartered in Mill Valley, CA, is a real estate investment trust primarily engaged in the acquisition and leasing of restaurant properties. The Company seeks to grow its portfolio by acquiring additional real estate to lease, on a net basis, for use in the restaurant and retail industries.

Full FCPT 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.