HomeCompareVMLTX vs MCD

VMLTX vs MCD: Dividend Comparison 2026

VMLTX yields 3.05% · MCD yields 2.35%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 MCD wins by $54.2K in total portfolio value· pulled ahead in Year 4
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 →
MCD
McDonald's Corporation
● Live price
2.35%
Share price
$308.53
Annual div
$7.26
5Y div CAGR
42.3%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$78.5K
Annual income
$26,227.70
Full MCD calculator →

Portfolio growth — VMLTX vs MCD

📍 MCD pulled ahead of the other in Year 4

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 PeriodVMLTXMCD
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, VMLTX + MCD cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
VMLTX pays
MCD 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
MCD
Annual income on $10K today (after 15% tax)
$200.01/yr
After 10yr DRIP, annual income (after tax)
$22,293.55/yr
At 15% tax rate, MCD beats the other by $21,977.57/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

VMLTX: 50%MCD: 50%
100% MCD50/50100% VMLTX
Portfolio after 10yr
$51.4K
Annual income
$13,299.72/yr
Blended yield
25.86%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on MCD right now

VMLTX
No analyst data
MCD
Analyst Ratings
37
Buy
23
Hold
1
Sell
Consensus: Buy
Price Target
$351.76
+14.0% upside vs current
Range: $320.00 — $385.00
Altman Z
4.9
Piotroski
5/9
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
MCD buys
0
No recent congressional trades found for VMLTX or MCD in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricVMLTXMCD
Forward yield3.05%2.35%
Annual dividend / share$0.33$7.26
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR0%42.3%
Portfolio after 10y$24.3K$78.5K
Annual income after 10y$371.73$26,227.70
Total dividends collected$3.4K$58.5K
Payment frequencyquarterlyquarterly
SectorStockConsumer Discretionary

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

YearVMLTX PortfolioVMLTX Income/yrMCD PortfolioMCD Income/yrGap
1$11,005$305.35$10,815$334.85+$190.00VMLTX
2$12,090$314.07$11,826$491.71+$264.00VMLTX
3$13,259$322.44$13,123$730.06+$136.00VMLTX
4← crossover$14,517$330.48$14,853$1,100.07$336.00MCD
5$15,871$338.18$17,257$1,690.61$1.4KMCD
6$17,328$345.54$20,752$2,667.01$3.4KMCD
7$18,894$352.57$26,103$4,354.83$7.2KMCD
8$20,575$359.28$34,794$7,437.78$14.2KMCD
9$22,381$365.66$49,926$13,461.60$27.5KMCD
10$24,320$371.73$78,550$26,227.70$54.2KMCD

VMLTX vs MCD: 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 →

MCDConsumer Discretionary

McDonald's Corporation operates and franchises McDonald's restaurants in the United States and internationally. Its restaurants offer hamburgers and cheeseburgers, chicken sandwiches and nuggets, wraps, fries, salads, oatmeal, shakes, desserts, sundaes, soft serve cones, bakery items, soft drinks, coffee, and beverages and other beverages, as well as breakfast menu, including biscuit and bagel sandwiches, breakfast burritos, hotcakes, and other sandwiches. As of December 31, 2021, the company operated 40,031 restaurants. McDonald's Corporation was founded in 1940 and is headquartered in Chicago, Illinois.

Full MCD 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.