Is CIPNX or SCHD a better dividend investment in 2026?

CIPNX currently yields 24.42% with a 5% 5-year dividend growth rate. SCHD yields 3.44% with 13.05% growth. The better choice depends on your goal: CIPNX offers higher current income.

What is the dividend yield difference between CIPNX and SCHD?

CIPNX has a forward dividend yield of 24.42% ($3.85/share annually). SCHD yields 3.44% ($1.06/share annually). The yield gap is 20.98 percentage points.

Home › Compare › CIPNX vs SCHD

CIPNX vs SCHD: Dividend Comparison 2026

CIPNX yields 24.42% · SCHD yields 3.44%● Live data

vsPost on X →

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

🏆 CIPNX wins by $66.5K in total portfolio value

INVESTMENT

TIME HORIZON10 years

CIPNX

● Live price

24.42%

Share price

$15.75

Annual div

$3.85

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$95.4K

Annual income

$10,539.39

Full CIPNX calculator →

SCHD

Schwab U.S. Dividend Equity ETF

● Live price

3.44%

Share price

$30.68

Annual div

$1.06

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$29.0K

Annual income

$422.61

Full SCHD calculator →

Portfolio growth — CIPNX vs SCHD

📍 CIPNX 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 Period	CIPNX	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, CIPNX + SCHD cover 0 of 12 months — good coverage

Jan

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Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

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Sep

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Oct

—

Nov

—

Dec

—

CIPNX 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.

CIPNX

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

$2,076.00/yr

After 10yr DRIP, annual income (after tax)

$8,958.48/yr

SCHD

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

$292.49/yr

After 10yr DRIP, annual income (after tax)

$359.22/yr

At 15% tax rate, CIPNX beats the other by $8,599.26/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 CIPNX + SCHD for your $10,000?

CIPNX: 50%SCHD: 50%

100% SCHD50/50100% CIPNX

Portfolio after 10yr

$62.2K

Annual income

$5,481.00/yr

Blended yield

8.81%

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

CIPNX buys

SCHD buys

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

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

MetricCIPNXSCHD

Forward yield	24.42% ✓	3.44%
Annual dividend / share	$3.85 ✓	$1.06
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	0%	0%
Portfolio after 10y	$95.4K ✓	$29.0K
Annual income after 10y	$10,539.39 ✓	$422.61
Total dividends collected	$59.8K ✓	$3.9K
Payment frequency	quarterly	quarterly
Sector	Stock	ETF

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

Year	CIPNX Portfolio	CIPNX Income/yr	SCHD Portfolio	SCHD Income/yr	Gap
1← crossover	$13,142	$2,442.35	$11,224	$344.10	+$1.9K → CIPNX
2	$17,062	$2,999.83	$12,567	$354.98	+$4.5K → CIPNX
3	$21,896	$3,639.77	$14,038	$365.30	+$7.9K → CIPNX
4	$27,794	$4,365.42	$15,648	$375.06	+$12.1K → CIPNX
5	$34,919	$5,178.82	$17,410	$384.27	+$17.5K → CIPNX
6	$43,444	$6,080.63	$19,335	$392.95	+$24.1K → CIPNX
7	$53,555	$7,070.22	$21,437	$401.10	+$32.1K → CIPNX
8	$65,450	$8,145.58	$23,733	$408.75	+$41.7K → CIPNX
9	$79,334	$9,303.45	$26,237	$415.91	+$53.1K → CIPNX
10	$95,427	$10,539.39	$28,968	$422.61	+$66.5K → CIPNX

CIPNX vs SCHD: Complete Analysis 2026

CIPNX — Stock

Under normal circumstances, the fund invests at least 80% of its net assets, plus any borrowings for investment purposes, in securities of small companies. It seeks capital appreciation by investing mainly in common stocks of small companies that the Adviser believes have strong long-term fundamentals, superior capital appreciation potential and attractive valuations.

Full CIPNX 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.