Is VNQ or PM a better dividend investment in 2026?

VNQ currently yields 3.93% with a 5% 5-year dividend growth rate. PM yields 3.48% with 2.8% growth. The better choice depends on your goal: VNQ offers higher current income.

What is the dividend yield difference between VNQ and PM?

VNQ has a forward dividend yield of 3.93% ($3.49/share annually). PM yields 3.48% ($5.76/share annually). The yield gap is 0.45 percentage points.

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VNQ vs PM: Dividend Comparison 2026

VNQ yields 3.93% · PM yields 3.48%● Live data

vsPost on X →

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

🏆 PM wins by $23.8K 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 →

Philip Morris International

● Live price

3.48%

Share price

$165.34

Annual div

$5.76

5Y div CAGR

17.2%

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$49.6K

Annual income

$2,492.02

Full PM calculator →

Portfolio growth — VNQ vs PM

📍 PM pulled ahead of the other in Year 1

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 Period	VNQ	PM
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 + PM cover 0 of 12 months — good coverage

Jan

—

Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

VNQ pays

PM 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

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

$296.12/yr

After 10yr DRIP, annual income (after tax)

$2,118.22/yr

At 15% tax rate, PM beats the other by $1,688.32/year in after-tax income after 10 years on $10,000

⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of VNQ + PM for your $10,000?

VNQ: 50%PM: 50%

100% PM50/50100% VNQ

Portfolio after 10yr

$37.7K

Annual income

$1,498.89/yr

Blended yield

3.98%

📊

Analyst Conviction Gap

Where Wall Street is most bullish on PM right now

VNQ

No analyst data

Altman Z

55.8

Piotroski

3/9

Analyst Ratings

Buy

Hold

Sell

Consensus: Buy

Price Target

$194.30

+17.5% upside vs current

Range: $180.00 — $205.00

Altman Z

4.0

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)

VNQ buys

PM buys

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

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

MetricVNQPM

Forward yield	3.93% ✓	3.48%
Annual dividend / share	$3.49	$5.76 ✓
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	0%	17.2% ✓
Portfolio after 10y	$25.8K	$49.6K ✓
Annual income after 10y	$505.76	$2,492.02 ✓
Total dividends collected	$4.5K	$11.7K ✓
Payment frequency	quarterly	quarterly
Sector	ETF	Consumer Staples

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

Year	VNQ Portfolio	VNQ Income/yr	PM Portfolio	PM Income/yr	Gap
1← crossover	$11,093	$392.97	$11,648	$408.29	$555.00 → PM
2	$12,277	$407.40	$13,589	$495.90	$1.3K → PM
3	$13,558	$421.38	$15,877	$603.21	$2.3K → PM
4	$14,942	$434.90	$18,580	$734.88	$3.6K → PM
5	$16,435	$447.93	$21,781	$896.75	$5.3K → PM
6	$18,046	$460.48	$25,578	$1,096.12	$7.5K → PM
7	$19,782	$472.54	$30,092	$1,342.17	$10.3K → PM
8	$21,651	$484.11	$35,470	$1,646.46	$13.8K → PM
9	$23,662	$495.18	$41,892	$2,023.58	$18.2K → PM
10	$25,824	$505.76	$49,578	$2,492.02	$23.8K → PM

VNQ vs PM: 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 →

PM — Consumer Staples

Philip Morris International Inc. operates as a tobacco company working to delivers a smoke-free future and evolving portfolio for the long-term to include products outside of the tobacco and nicotine sector. The company's product portfolio primarily consists of cigarettes and smoke-free products, including heat-not-burn, vapor, and oral nicotine products that are sold in markets outside the United States. The company offers its smoke-free products under the HEETS, HEETS Creations, HEETS Dimensions, HEETS Marlboro, HEETS FROM MARLBORO, Marlboro Dimensions, Marlboro HeatSticks, Parliament HeatSticks, and TEREA brands, as well as the KT&G-licensed brands, Fiit, and Miix. It also sells its products under the Marlboro, Parliament, Bond Street, Chesterfield, L&M, Lark, and Philip Morris brands. In addition, the company owns various cigarette brands, such as Dji Sam Soe, Sampoerna A, and Sampoerna U in Indonesia; and Fortune and Jackpot in the Philippines. The company sells its smoke-free products in 71 markets. Philip Morris International Inc. was incorporated in 1987 and is headquartered in New York, New York.

Full PM 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.