HomeCompareCIRAX vs SCHD

CIRAX vs SCHD: Dividend Comparison 2026

CIRAX yields 7.74% · SCHD yields 3.46%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 CIRAX wins by $4.4K in total portfolio value
10 years
CIRAX
CIRAX
● Live price
7.74%
Share price
$76.52
Annual div
$5.93
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$33.4K
Annual income
$1,264.50
Full CIRAX calculator →
SCHD
Schwab U.S. Dividend Equity ETF
● Live price
3.46%
Share price
$30.48
Annual div
$1.06
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$29.0K
Annual income
$425.95
Full SCHD calculator →

Portfolio growth — CIRAX vs SCHD

📍 CIRAX 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 PeriodCIRAXSCHD
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, CIRAX + SCHD cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
CIRAX 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.

CIRAX
Annual income on $10K today (after 15% tax)
$658.16/yr
After 10yr DRIP, annual income (after tax)
$1,074.83/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, CIRAX beats the other by $712.77/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of CIRAX + SCHD for your $10,000?

CIRAX: 50%SCHD: 50%
100% SCHD50/50100% CIRAX
Portfolio after 10yr
$31.2K
Annual income
$845.22/yr
Blended yield
2.71%
🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

CIRAX buys
0
SCHD buys
0
No recent congressional trades found for CIRAX or SCHD in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricCIRAXSCHD
Forward yield7.74%3.46%
Annual dividend / share$5.93$1.06
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR0%0%
Portfolio after 10y$33.4K$29.0K
Annual income after 10y$1,264.50$425.95
Total dividends collected$10.2K$3.9K
Payment frequencyquarterlyquarterly
SectorStockETF

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

YearCIRAX PortfolioCIRAX Income/yrSCHD PortfolioSCHD Income/yrGap
1← crossover$11,474$774.31$11,226$346.36+$248.00CIRAX
2$13,108$830.34$12,572$357.38+$536.00CIRAX
3$14,912$886.50$14,046$367.84+$866.00CIRAX
4$16,898$942.53$15,660$377.73+$1.2KCIRAX
5$19,079$998.21$17,425$387.07+$1.7KCIRAX
6$21,468$1,053.31$19,354$395.86+$2.1KCIRAX
7$24,079$1,107.66$21,461$404.13+$2.6KCIRAX
8$26,925$1,161.07$23,762$411.89+$3.2KCIRAX
9$30,023$1,213.40$26,272$419.15+$3.8KCIRAX
10$33,390$1,264.50$29,010$425.95+$4.4KCIRAX

CIRAX vs SCHD: Complete Analysis 2026

CIRAXStock

The fund normally will invest at least 90% of its assets in income-producing securities (with at least 50% of its assets in common stocks and other equity securities). It invests primarily in a broad range of income-producing securities, including common stocks and bonds. In seeking to provide the investors with a level of current income that exceeds the average yield on U.S. stocks, the fund generally looks to the average yield on stocks of companies listed on the S&P 500 Index.

Full CIRAX Calculator →

SCHDETF

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.