DivAgent
LeaderboardPortfoliosPortfolio App
Log InGet Started
DivAgent

The institutional-grade income auditor for the retail investor. Stop chasing yield. Start building wealth.

Academy

  • The Income Illusion
  • Defensive Income
  • Avoid Yield Traps
  • View All Courses

Tools & Resources

  • Risk Spectrum Calculator
  • NAV Erosion Check
  • Dividend Glossary
  • Strategy Articles
  • Article Categories
  • Ticker Database Index
  • Comparison Directory

Portfolio App

  • Track Dividends
  • Import Holdings
  • View Dashboard
Free Tier Available

Company

  • Manifesto
  • Disclaimer
  • Privacy Policy
  • Terms of Service

Join 10,000+ Dividend Investors

Weekly insights on sustainable income strategies. No spam, unsubscribe anytime.

Important Legal Disclaimer

DivAgent is not a registered investment advisor, broker-dealer, or financial analyst. The content on divagent.ai and app.divagent.ai, including ticker audits, risk tiers, dividend forecasts, and "Monthly Expense Kill Lists," is provided for informational and educational purposes only.

Nothing on this platform constitutes a recommendation to buy, sell, or hold any security. Investing involves substantial risk, including the possible loss of principal. Past performance, including dividend history, is no guarantee of future results.

Data Accuracy & AI Usage: Dividend data is sourced from third-party providers (including Yahoo Finance). Additionally, portions of the content on this site, including articles, summaries, and analysis, may be generated by Artificial Intelligence (AI). While we strive for accuracy, DivAgent does not guarantee the timeliness, completeness, or correctness of any data or AI-generated content. Predictive forecasts are based on mathematical heuristics and should not be relied upon for financial planning.

Limitation of Liability: DivAgent shall not be held liable for any errors, omissions, or inaccuracies in the content, whether human-written or AI-generated, nor for any actions taken in reliance thereon.

By using this site, you acknowledge that you are solely responsible for your own investment decisions. Consult with a qualified financial professional before making any financial commitments.

© 2026 DivAgent. All rights reserved.

DivAgent is an informational platform, not a registered investment advisor. Nothing here is financial advice.

LIVEComparison Engine
Last Updated: March 7, 2026

OvsVNQ

Two of the market's most popular income ETFs compared side-by-side. See which one fits your yield strategy.

Data Live

What This Page Shows

  • Yield leader: O (1.47% spread)
  • Safer risk tier: O
  • 1Y total return spread: 13.56%
  • Fees, NAV stability, and payout quality side-by-side
  1. Home
  2. Directory
  3. O
  4. O vs VNQ

At a Glance

HEAD-TO-HEAD
O
Realty
VS
VNQ
Vanguard
5.00%
Annual Yield
3.53%
Tier 3
Risk Tier
Tier 3
13.35%
1Y Total Return
-0.21%
8.35%
1Y NAV Stability
-3.74%
—
Expense Ratio
0.13%
-15.41%
Max Drawdown (1Y)
-15.42%
Quick Verdict: O wins on4key metrics.

DivAgent Risk Spectrum

Proprietary Model
Tier 1: Cornerstone
Tier 2: Yield Plus
Tier 3: Specialty
Tier 4: Harvest
Tier 5: Octane
O
VNQ
Tier 1: Cornerstone
Tier 2: Yield Plus
Tier 3: Specialty
Tier 4: Harvest
Tier 5: Octane

What this means: Both O and VNQ fall intoTier 3: Specialty. This suggests they share a similar risk profile and volatility expectation.

Deep Dive Analysis

MetricOVNQ
Total Return (1Y)13.35%-0.21%
NAV Change (1Y)8.35%-3.74%
Max Drawdown-15.41%-15.42%
Beta--

* Returns include dividend reinvestment. Drawdown calculates peak-to-trough decline over trailing 12 months.

The DivAgent Analyst Take

Realty Income (O) and VNQ represent two fundamentally different philosophies for REIT exposure: one is a single elite operator with a decades-long dividend growth record, the other is a broad index fund that owns a slice of the entire real estate investment trust universe. Both carry Tier 3 (Sector Specialties/Medium) risk on the DivAgent spectrum, but the risk character is very different.

Key Differences

Yield and Payment Schedule

O currently yields approximately 4.8% at $67.56 per share and pays monthly — a material cash-flow advantage for investors matching income to recurring expenses. VNQ yields roughly 3.6% at $95.93 and pays quarterly. The 120-basis-point yield gap favors O, though VNQ's diversification may justify accepting lower headline income.

Concentration vs Diversification

VNQ's 150+ holdings span retail, industrial, residential, office, data centers, and healthcare REITs — genuine sector diversification that cushions idiosyncratic tenant or property-type shocks. O concentrates in triple-net-lease commercial properties leased to investment-grade tenants like Walgreens, Dollar General, and 7-Eleven. That focus is a feature if you believe in net-lease, but a liability if net-lease faces structural headwinds (e-commerce disruption, pharmacy consolidation).

Track Record and Dividend Safety

Realty Income has raised its dividend over 125 times and sustained payments through recessions, the 2008 financial crisis, and COVID-19 — a durability record few public companies can match. VNQ's distributions fluctuate with the collective earnings of its underlying REITs and are not guaranteed to grow. For income-first investors, O's predictability premium is real.

Which Should You Buy?

Choose O if:

  • You want monthly income with a proven 27+ year growth streak
  • You're comfortable with single-company concentration in net-lease real estate
  • You prefer a 4.8% yield over broader REIT diversification

Choose VNQ if:

  • You want broad REIT exposure without single-company risk
  • You're building a diversified income foundation and quarterly payments work fine
  • You want data center and industrial REIT exposure alongside retail

Frequently Asked Questions

Related Articles

strategy
NAV Erosion vs Return of Capital: What High-Yield Investors Get Wrong
Learn the critical difference between true NAV erosion and return of capital distributions.
strategy
Understanding Liquidity Risk: Why AUM Matters More Than Yield
A practical guide to evaluating liquidity risk in dividend ETFs. Learn how low AUM, thin bid-ask spreads, and fund closures silently erode returns.
strategy
The Crash Test: How the Cornerstone Portfolio Survived 2022
A data-driven backtest of the Cornerstone Strategy vs. the S&P 500 during the inflation bear market.
View all articles →

See How O or VNQ Fits Your Portfolio

Every investor has a unique risk profile. Use our Portfolio Intelligence tool to see the impact of adding these ETFs to your holdings.

Explore Related Comparisons

Compare O vs...

ABNDX
MAIN
STAG
ARCC

Compare VNQ vs...

ABNDX
AMEFX
AMRFX
BIL