About SRH Total Return Fund, Inc. (BIF) — Dividend Analysis 2026
SRH Total Return Fund, Inc. is a closed-ended balanced mutual fund launched and managed by Boulder Investment Advisers, L.L.C. It is co-managed by Stewart West Indies Trading Co Ltd. and Rocky Mountain Advisers, Llc. The fund invests in public equity and fixed income markets across the globe. It seeks to invest in securities of companies operating across diversified industries. The fund primarily invests in dividend paying value stocks of companies across all capitalizations, as well as in fixed income securities issued by companies. It employs both fundamental and quantitative analysis with a bottom-up security picking approach, focusing on such factors as defensible businesses with solid financial positions and strong operating track records to create its portfolio. The fund benchmarks the performance of its portfolio against the S&P 500 Composite Index. SRH Total Return Fund, Inc. was formed on December 7, 1972 and is domiciled in the United States.
Is BIF a good dividend investment in 2026?
BIF offers a 140.92% forward yield with a 50% payout ratio. Strand Safety Score: 45/100 (Moderate Risk). The 5-year dividend CAGR of 0.1% is modest — investors should weigh current income against growth alternatives.
BIF DRIP calculator — what's the difference?
With DRIP on a $10,000 investment over 10 years, your BIF portfolio grows to $5.65M vs $201.1K without reinvestment. This is the compound interest effect in action.
BIF dividend growth history & forecast
BIF has grown its dividend by 0% over the last year and 0.1% annually over 5 years. At this pace, an investor who holds for 10+ years will see their yield on cost grow substantially above the current 140.92%.
FCF ($46M) is below dividends paid ($2.0B) — risk of cut (FCF: $46M · Dividends est.: $2.0B)
Debt Leverage0.0× Debt/EBITDA
30 / 30 pts
30/30
Debt/EBITDA 0.0× — low leverage, balance sheet is strong
Earnings Momentum+0.3B → -0.0B → +0.1B
15 / 30 pts
15/30
Net income grew in the latest year — positive but trend is unconfirmed
OVERALL ASSESSMENT
Dividend at moderate risk — monitor coverage and debt closely.
STRAND SCORE
45
/100
Strand Safety Score™ is proprietary to DividendFlow. Inputs: FCF, Debt/EBITDA, Net Income from SEC filings via FMP. Not financial advice. N/A for ETFs, pre-revenue companies, and tickers without income statements.
🌍 BIF Yield by Country & Account Type
Real after-tax yield depends on where you live and how you hold BIF.
Gross yield
140.92%
Tax rate
15.00%
After-tax yield
119.78%
Real yield (−CPI)
116.98%
Account/Country
Tax Rate
After-tax Yield
Real Yield
$10K Annual Income
🇺🇸 Roth IRA / 401k
0%
140.92%
138.12%
$14,092 / yr
🇺🇸 US Taxable (15%) ✓
15%
119.78%
116.98%
$11,978 / yr
🇺🇸 US Taxable (20%)
20%
112.74%
109.94%
$11,274 / yr
🇬🇧 UK ISA
0%
140.92%
138.12%
$14,092 / yr
🇬🇧 UK Taxable
8.75%
128.59%
125.79%
$12,859 / yr
🇨🇦 TFSA
0%
140.92%
138.12%
$14,092 / yr
🇨🇦 CA Taxable
25%
105.69%
102.89%
$10,569 / yr
🇦🇺 Super (pension)
15%
119.78%
116.98%
$11,978 / yr
🇦🇺 AU Taxable
30%
98.64%
95.84%
$9,864 / yr
🇩🇪 DE Taxable
26.375%
103.75%
100.95%
$10,375 / yr
🇫🇷 FR Taxable
30%
98.64%
95.84%
$9,864 / yr
Real yield = after-tax yield minus US CPI of 2.8%. 12-month CPI (US BLS via FMP economic-indicators). Click any row to select. US withholding tax (30%, reducible by treaty) applies to non-US residents holding US stocks in taxable accounts.
🎯 BIF Income Goal & Break-Even
Dividend Break-Even
1yr
Years for dividends to fully repay your BIF investment of $14.75/share (🇺🇸 US Taxable (15%) · 15.00% tax)
$10K invested · 10 Years
Dividends earned (DRIP)
$2.05M
Lost to inflation (2.8% CPI)
−$2.5K
Real purchasing power gain
$2.05M
12-month CPI (US BLS via FMP economic-indicators).
How much do I need to invest in BIF for:
Shares needed
1,359
Capital required
$20,045
Monthly income
$2,000
Based on current dividend of $20.79/share/yr · 🇺🇸 US Taxable (15%) · static projection (no growth assumed).
📅 BIF Dividend Payment Schedule
BIF pays quarterly — 4 times per year. Next ex-div: TBD.
Jan
Feb
Mar
💰
Apr
May
Jun
💰
Jul
Aug
Sep
💰
Oct
Nov
Dec
💰
10 shares
$44.17 / payment
$176.68 / year after tax
100 shares
$441.69 / payment
$1766.76 / year after tax
1,000 shares
$4416.90 / payment
$17667.59 / year after tax
📊 BIF vs Financial Services Benchmarks
How BIF compares to typical Financial Services averages.
Benchmark: Financial Services
Dividend Yield▲+138.02% vs sectorBetter
BIF
140.92%
avg
2.90%
5Y Dividend CAGR▼-7.00% vs sectorBelow avg
BIF
0.10%
avg
7.10%
Payout Ratio▼+12.00% vs sectorBelow avg
BIF
50.00%
avg
38.00%
Benchmarks: S&P 500 sector averages (2024–2026). Sources: Morningstar, Bloomberg, NAREIT. 5Y CAGR for BIF sourced from FMP /financial-growth endpoint — real data, not estimates.
🏛️ BIF Insider Activity
No recent SEC filings reported in the last 90 days.
📊 About This Data
Dividend yields, payout ratios, and financial metrics are sourced from Financial Modeling Prep (FMP) and cross-referenced with SEC EDGAR filings. Data is cached and updated every 24 hours via our nightly refresh. DRIP projections are forward-looking estimates, not guarantees.
Educational purposes only. Not financial advice. DividendFlow is not a registered investment advisor. Projections generated by the BIF dividend calculator are estimates based on historical data and user inputs. Actual future returns, stock prices, and dividend payments will vary. Dividends can be cut or suspended at any time. All investments carry risk, including the loss of principal. Please consult a qualified financial professional before making any investment decisions. Full disclaimer →