Is VNQ or BTI a better dividend investment in 2026?

VNQ currently yields 3.93% with a 5% 5-year dividend growth rate. BTI yields 5.38% with 5% growth. The better choice depends on your goal: BTI offers higher current income.

What is the dividend yield difference between VNQ and BTI?

VNQ has a forward dividend yield of 3.93% ($3.49/share annually). BTI yields 5.38% ($3.15/share annually). The yield gap is 1.45 percentage points.

Home › Compare › VNQ vs BTI

VNQ vs BTI: Dividend Comparison 2026

VNQ yields 3.93% · BTI yields 5.38%● Live data

vsPost on X →

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

🏆 BTI wins by $11.9K in total portfolio value

INVESTMENT

TIME HORIZON10 years

VNQ

● Live price

3.93%

Share price

$88.70

Annual div

$3.49

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$25.8K

Annual income

$505.76

Full VNQ calculator →

BTI

● Live price

5.38%

Share price

$58.47

Annual div

$3.15

5Y div CAGR

11.3%

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$37.7K

Annual income

$2,786.64

Full BTI calculator →

Portfolio growth — VNQ vs BTI

📍 BTI 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	VNQ	BTI
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, VNQ + BTI cover 0 of 12 months — good coverage

Jan

—

Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

VNQ pays

BTI pays

Both pay

Neither

💰

Tax Bracket Optimizer

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

VNQ

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

$334.02/yr

After 10yr DRIP, annual income (after tax)

$429.90/yr

BTI

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

$457.40/yr

After 10yr DRIP, annual income (after tax)

$2,368.64/yr

At 15% tax rate, BTI beats the other by $1,938.75/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 VNQ + BTI for your $10,000?

VNQ: 50%BTI: 50%

100% BTI50/50100% VNQ

Portfolio after 10yr

$31.8K

Annual income

$1,646.20/yr

Blended yield

5.18%

📊

Analyst Conviction Gap

Where Wall Street is most bullish on BTI right now

VNQ

No analyst data

Altman Z

55.8

Piotroski

3/9

BTI

Analyst Ratings

Buy

Hold

Sell

Consensus: Buy

Price Target

$40.00

-31.6% upside vs current

Range: $40.00 — $40.00

Altman Z

2.1

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)

VNQ buys

BTI buys

No recent congressional trades found for VNQ or BTI in the last 90 days.

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

MetricVNQBTI

Forward yield	3.93%	5.38% ✓
Annual dividend / share	$3.49 ✓	$3.15
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	0%	11.3% ✓
Portfolio after 10y	$25.8K	$37.7K ✓
Annual income after 10y	$505.76	$2,786.64 ✓
Total dividends collected	$4.5K	$14.3K ✓
Payment frequency	quarterly	quarterly
Sector	ETF	Consumer Staples

Year-by-year: VNQ vs BTI ($10,000, DRIP)

Year	VNQ Portfolio	VNQ Income/yr	BTI Portfolio	BTI Income/yr	Gap
1← crossover	$11,093	$392.97	$11,299	$598.92	$206.00 → BTI
2	$12,277	$407.40	$12,794	$703.91	$517.00 → BTI
3	$13,558	$421.38	$14,518	$829.07	$960.00 → BTI
4	$14,942	$434.90	$16,513	$978.64	$1.6K → BTI
5	$16,435	$447.93	$18,827	$1,157.84	$2.4K → BTI
6	$18,046	$460.48	$21,518	$1,373.12	$3.5K → BTI
7	$19,782	$472.54	$24,657	$1,632.46	$4.9K → BTI
8	$21,651	$484.11	$28,329	$1,945.74	$6.7K → BTI
9	$23,662	$495.18	$32,637	$2,325.33	$9.0K → BTI
10	$25,824	$505.76	$37,708	$2,786.64	$11.9K → BTI

VNQ vs BTI: Complete Analysis 2026

VNQ — ETF

Invests in stocks issued by real estate investment trusts (REITs), companies that purchase office buildings, hotels, and other real property. Goal is to closely track the return of the MSCI US Investable Market Real Estate 25/50 Index. Offers high potential for investment income and some growth; share value rises and falls more sharply than that of funds holding bonds. Appropriate for helping diversify the risks of stocks and bonds in a portfolio.

Full VNQ Calculator →

BTI — Consumer Staples

British American Tobacco p.l.c. provides tobacco and nicotine products to consumers in the Americas, Europe, the Asia-Pacific, the Middle East, Africa, and the United States. It offers vapour, heated, and modern oral nicotine products; combustible cigarettes; and traditional oral products, such as snus and moist snuff. The company provides its products under the Vuse, glo, Velo, Grizzly, Kodiak, Dunhill, Kent, Lucky Strike, Pall Mall, Rothmans, Newport, Natural American Spirit, and Camel brands. The company distributes its products to retail outlets. British American Tobacco p.l.c. was founded in 1902 and is based in London, the United Kingdom.

Full BTI 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.