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VPLS vs BTI: Dividend Comparison 2026

VPLS yields 4.77% · BTI yields 5.40%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 BTI wins by $10.4K in total portfolio value
10 years
VPLS
VPLS
● Live price
4.77%
Share price
$77.58
Annual div
$3.70
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$27.3K
Annual income
$647.67
Full VPLS calculator →
BTI
BTI
● Live price
5.40%
Share price
$58.26
Annual div
$3.15
5Y div CAGR
11.3%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$37.8K
Annual income
$2,802.29
Full BTI calculator →

Portfolio growth — VPLS 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 PeriodVPLSBTI
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, VPLS + BTI cover 0 of 12 monthsgood coverage

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

Tax Bracket Optimizer

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

VPLS
Annual income on $10K today (after 15% tax)
$405.60/yr
After 10yr DRIP, annual income (after tax)
$550.52/yr
BTI
Annual income on $10K today (after 15% tax)
$459.05/yr
After 10yr DRIP, annual income (after tax)
$2,381.95/yr
At 15% tax rate, BTI beats the other by $1,831.43/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of VPLS + BTI for your $10,000?

VPLS: 50%BTI: 50%
100% BTI50/50100% VPLS
Portfolio after 10yr
$32.6K
Annual income
$1,724.97/yr
Blended yield
5.30%
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Analyst Conviction Gap

Where Wall Street is most bullish on BTI right now

VPLS
No analyst data
BTI
Analyst Ratings
12
Buy
4
Hold
2
Sell
Consensus: Buy
Price Target
$40.00
-31.3% 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.
🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

VPLS buys
0
BTI buys
0
No recent congressional trades found for VPLS or BTI in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricVPLSBTI
Forward yield4.77%5.40%
Annual dividend / share$3.70$3.15
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR0%11.3%
Portfolio after 10y$27.3K$37.8K
Annual income after 10y$647.67$2,802.29
Total dividends collected$5.7K$14.4K
Payment frequencyquarterlyquarterly
SectorStockConsumer Staples

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

YearVPLS PortfolioVPLS Income/yrBTI PortfolioBTI Income/yrGap
1← crossover$11,177$477.18$11,301$601.08$124.00BTI
2$12,458$498.46$12,799$706.58$341.00BTI
3$13,849$519.23$14,527$832.38$678.00BTI
4$15,358$539.46$16,527$982.75$1.2KBTI
5$16,992$559.10$18,846$1,162.95$1.9KBTI
6$18,760$578.12$21,545$1,379.49$2.8KBTI
7$20,670$596.50$24,694$1,640.41$4.0KBTI
8$22,731$614.22$28,378$1,955.69$5.6KBTI
9$24,953$631.28$32,702$2,337.79$7.7KBTI
10$27,348$647.67$37,794$2,802.29$10.4KBTI

VPLS vs BTI: Complete Analysis 2026

VPLSStock

This actively managed fund seeks to provide broadly diversified exposure primarily to the U.S. investment-grade bond market, with selective exposure to below-investment-grade bonds and debt from other countries, including emerging markets. The low-cost fund invests in U.S. Treasury, mortgage-backed, and corporate securities, and emerging markets debt of varying yields, maturities, and credit qualities. Using a disciplined, risk-controlled approach, the fund seeks to outperform its benchmark through security selection, sector allocation, and duration decisions. Like other bond funds, the fund is subject to interest rate risk; increases in interest rates may cause the price of the bonds in the portfolio to decrease, reducing the fund’s net asset value. This fund is expected to have a moderate allocation to lower-credit-quality securities, so it is also subject to credit risk; negative perceptions about an issuer’s ability to make its interest or principal payments in a timely manner may cause the price of that bond to decrease. Since the fund invests in all major segments, maturities, and qualities of the fixed income market, investors willing to accept additional risk in their fixed income allocation may consider the fund as a core bond holding.The Vanguard Core-Plus Bond ETF is a stand alone product and is separate and distinct from the Vanguard Core-Plus Bond Index ETF (BNDP) and the Vanguard Core-Plus Bond Fund (VCPIX and VCPAX). Differences in scale, certain investment processes, and underlying holdings are expected to produce different investment returns by the funds.

Full VPLS Calculator →

BTIConsumer 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.