HomeCompareVMLTX vs ADC

VMLTX vs ADC: Dividend Comparison 2026

VMLTX yields 3.05% · ADC yields 4.13%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 ADC wins by $154.6K in total portfolio value· pulled ahead in Year 2
10 years
VMLTX
VMLTX
● Live price
3.05%
Share price
$10.93
Annual div
$0.33
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$24.3K
Annual income
$371.73
Full VMLTX 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 — VMLTX vs ADC

📍 ADC pulled ahead of the other in Year 2

Annual dividend income

🛡️

Recession Test — Did They Cut Dividends?

How each stock treated shareholders during the 3 biggest crises of the last 20 years

Crisis PeriodVMLTXADC
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%.
📅

Dividend Calendar Overlap

Combined, VMLTX + ADC cover 0 of 12 monthsgood coverage

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

Tax Bracket Optimizer

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

VMLTX
Annual income on $10K today (after 15% tax)
$259.55/yr
After 10yr DRIP, annual income (after tax)
$315.97/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, ADC beats the other by $68,361.73/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

VMLTX: 50%ADC: 50%
100% ADC50/50100% VMLTX
Portfolio after 10yr
$101.6K
Annual income
$40,584.52/yr
Blended yield
39.93%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on ADC right now

VMLTX
No analyst data
ADC
Analyst Ratings
1
Strong
22
Buy
9
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.
🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

VMLTX buys
0
ADC buys
0
No recent congressional trades found for VMLTX or ADC in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricVMLTXADC
Forward yield3.05%4.13%
Annual dividend / share$0.33$3.10
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR0%40.4%
Portfolio after 10y$24.3K$178.9K
Annual income after 10y$371.73$80,797.29
Total dividends collected$3.4K$156.7K
Payment frequencyquarterlymonthly
SectorStockREIT

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

YearVMLTX PortfolioVMLTX Income/yrADC PortfolioADC Income/yrGap
1$11,005$305.35$10,990$580.36+$15.00VMLTX
2← crossover$12,090$314.07$12,301$860.26$211.00ADC
3$13,259$322.44$14,104$1,298.62$845.00ADC
4$14,517$330.48$16,691$2,008.16$2.2KADC
5$15,871$338.18$20,580$3,205.09$4.7KADC
6$17,328$345.54$26,754$5,330.02$9.4KADC
7$18,894$352.57$37,196$9,345.14$18.3KADC
8$20,575$359.28$56,244$17,523.09$35.7KADC
9$22,381$365.66$94,286$35,736.21$71.9KADC
10$24,320$371.73$178,949$80,797.29$154.6KADC

VMLTX vs ADC: Complete Analysis 2026

VMLTXStock

This low-cost municipal bond fund seeks to provide income exempt from federal taxes and typically appeals to investors in higher tax brackets. The fund holds high-quality short-term municipal bonds with an average duration of approximately 2 years, a bit longer than the Short-Term Tax-Exempt Fund. Risks of the fund include the fact that changes in interest rates, both up and down, can affect the fund by resulting in lower bond prices or an eventual decrease in income for the fund. Investors who are looking for a modest level of federal tax-exempt interest income and can tolerate some income and share price risk may wish to consider this fund.

Full VMLTX Calculator →

ADCREIT

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 →
📬

Get this VMLTX vs ADC comparison by email

Save your analysis + weekly dividend insights. Free forever.

More comparisons

VMLTX vs SCHDVMLTX vs JEPIVMLTX vs OVMLTX vs KOVMLTX vs MAINVMLTX vs NNNVMLTX vs EPRTVMLTX vs FCPT

⚠️ Educational purposes only. Not financial advice. Congressional trades sourced from SEC STOCK Act filings via FMP. Past performance does not guarantee future results.