Is CINSF or SCHD a better dividend investment in 2026?

CINSF currently yields 2.97% with a 5% 5-year dividend growth rate. SCHD yields 3.46% with 13.05% growth. The better choice depends on your goal: SCHD offers higher current income.

What is the dividend yield difference between CINSF and SCHD?

CINSF has a forward dividend yield of 2.97% ($0.04/share annually). SCHD yields 3.46% ($1.06/share annually). The yield gap is 0.49 percentage points.

Home › Compare › CINSF vs SCHD

CINSF vs SCHD: Dividend Comparison 2026

CINSF yields 2.97% · SCHD yields 3.46%● Live data

vsPost on X →

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

🏆 CINSF wins by $5.88M in total portfolio value· pulled ahead in Year 2

INVESTMENT

TIME HORIZON10 years

CINSF

● Live price

2.97%

Share price

$1.50

Annual div

$0.04

5Y div CAGR

75.4%

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$5.91M

Annual income

$4,766,627.96

Full CINSF calculator →

SCHD

Schwab U.S. Dividend Equity ETF

● Live price

3.46%

Share price

$30.48

Annual div

$1.06

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$29.0K

Annual income

$425.95

Full SCHD calculator →

Portfolio growth — CINSF vs SCHD

📍 CINSF pulled ahead of the other in Year 2

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	CINSF	SCHD
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, CINSF + SCHD cover 0 of 12 months — good coverage

Jan

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Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

CINSF pays

SCHD pays

Both pay

Neither

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Tax Bracket Optimizer

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

CINSF

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

$252.60/yr

After 10yr DRIP, annual income (after tax)

$4,051,633.77/yr

SCHD

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

$294.40/yr

After 10yr DRIP, annual income (after tax)

$362.06/yr

At 15% tax rate, CINSF beats the other by $4,051,271.71/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 CINSF + SCHD for your $10,000?

CINSF: 50%SCHD: 50%

100% SCHD50/50100% CINSF

Portfolio after 10yr

$2.97M

Annual income

$2,383,526.95/yr

Blended yield

80.25%

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

CINSF buys

SCHD buys

No recent congressional trades found for CINSF or SCHD in the last 90 days.

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

MetricCINSFSCHD

Forward yield	2.97%	3.46% ✓
Annual dividend / share	$0.04	$1.06 ✓
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	75.4% ✓	0%
Portfolio after 10y	$5.91M	$29.0K ✓
Annual income after 10y	$4,766,627.96 ✓	$425.95
Total dividends collected	$5.79M ✓	$3.9K
Payment frequency	quarterly	quarterly
Sector	Stock	ETF

Year-by-year: CINSF vs SCHD ($10,000, DRIP)

Year	CINSF Portfolio	CINSF Income/yr	SCHD Portfolio	SCHD Income/yr	Gap
1	$11,221	$521.24	$11,226	$346.36	$5.00 → SCHD
2← crossover	$12,966	$958.80	$12,572	$357.38	+$394.00 → CINSF
3	$15,689	$1,816.02	$14,046	$367.84	+$1.6K → CINSF
4	$20,390	$3,602.27	$15,660	$377.73	+$4.7K → CINSF
5	$29,491	$7,674.18	$17,425	$387.07	+$12.1K → CINSF
6	$49,751	$18,195.31	$19,354	$395.86	+$30.4K → CINSF
7	$103,550	$50,316.94	$21,461	$404.13	+$82.1K → CINSF
8	$282,476	$171,676.71	$23,762	$411.89	+$258.7K → CINSF
9	$1,069,940	$767,691.47	$26,272	$419.15	+$1.04M → CINSF
10	$5,911,464	$4,766,627.96	$29,010	$425.95	+$5.88M → CINSF

CINSF vs SCHD: Complete Analysis 2026

CINSF — Stock

China Taiping Insurance Holdings Company Limited, an investment holding company, underwrites various insurance and reinsurance products in the People's Republic of China and internationally. The company operates through three business segments: Life Insurance, Property and Casualty Insurance, and Reinsurance. The Life Insurance segment provides life insurance products, such as individual and group life insurance, health insurance, and accident insurance products and annuities. The Property and Casualty Insurance segment offers compulsory motor insurance, liability insurance, credit insurance, guarantee insurance, and short-term accident and health insurance, as well as the related reinsurance products. The Reinsurance segment provides property damage, life, marine cargo and hull, and miscellaneous non-marine reinsurance products. The company also engages in the assets management, insurance intermediary, financial leasing, property investment, and securities dealing and broking, as well as in elderly care investment businesses; and manages investment funds. In addition, it provides corporate and personal retirement insurance products; and back-to-back financing arrangement, as well as insurance broking and agency services. The company was formerly known as China Insurance International Holdings Company Limited and changed its name to China Taiping Insurance Holdings Company Limited in August 2009. The company was incorporated in 2000 and is headquartered in North Point, Hong Kong. China Taiping Insurance Holdings Company Limited is a subsidiary of China Taiping Insurance Group (HK) Company Limited.

Full CINSF Calculator →

SCHD — ETF

The fund’s goal is to track as closely as possible, before fees and expenses, the total return of the Dow Jones U.S. Dividend 100 Index.

Full SCHD 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.