Home › Compare › FIOCX vs SCHD

FIOCX vs SCHD: Dividend Comparison 2026

FIOCX yields 3.42% · SCHD yields 3.46%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 SCHD wins by $4.1K in total portfolio value
10 years
FIOCX
FIOCX
● Live price
3.42%
Share price
$58.40
Annual div
$2.00
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$24.9K
Annual income
$426.88
Full FIOCX 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 — FIOCX vs SCHD

📍 SCHD pulled ahead of the other in Year 1

Annual dividend income

🛡️

Recession Test — Did They Cut Dividends?

How each stock treated shareholders during the 3 biggest crises of the last 20 years

Crisis PeriodFIOCXSCHD
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%.
📅

Dividend Calendar Overlap

Combined, FIOCX + SCHD cover 0 of 12 months — good coverage

Jan
—
Feb
—
Mar
—
Apr
—
May
—
Jun
—
Jul
—
Aug
—
Sep
—
Oct
—
Nov
—
Dec
—
FIOCX pays
SCHD pays
Both pay
Neither
💰

Tax Bracket Optimizer

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

FIOCX
Annual income on $10K today (after 15% tax)
$291.10/yr
After 10yr DRIP, annual income (after tax)
$362.85/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, FIOCX beats the other by $0.79/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

FIOCX: 50%SCHD: 50%
100% SCHD50/50100% FIOCX
Portfolio after 10yr
$27.0K
Annual income
$426.41/yr
Blended yield
1.58%
🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

FIOCX buys
0
SCHD buys
0
No recent congressional trades found for FIOCX or SCHD in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricFIOCXSCHD
Forward yield3.42%3.46% ✓
Annual dividend / share$2.00 ✓$1.06
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR0%0%
Portfolio after 10y$24.9K$29.0K ✓
Annual income after 10y$426.88 ✓$425.95
Total dividends collected$3.9K$3.9K
Payment frequencyquarterlyquarterly
SectorStockETF

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

YearFIOCX PortfolioFIOCX Income/yrSCHD PortfolioSCHD Income/yrGap
1← crossover$11,042$342.47$11,226$346.36$184.00 → SCHD
2$12,169$353.43$12,572$357.38$403.00 → SCHD
3$13,385$364.00$14,046$367.84$661.00 → SCHD
4$14,696$374.17$15,660$377.73$964.00 → SCHD
5$16,108$383.95$17,425$387.07$1.3K → SCHD
6$17,629$393.33$19,354$395.86$1.7K → SCHD
7$19,266$402.30$21,461$404.13$2.2K → SCHD
8$21,025$410.88$23,762$411.89$2.7K → SCHD
9$22,916$419.07$26,272$419.15$3.4K → SCHD
10$24,947$426.88$29,010$425.95$4.1K → SCHD

FIOCX vs SCHD: Complete Analysis 2026

FIOCX — Stock

FIOCX is a dividend-paying stock. Use this calculator to estimate your future dividend income, DRIP compounding returns, and passive income potential from investing in FIOCX shares.

Full FIOCX 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 →
📬

Get this FIOCX vs SCHD comparison by email

Save your analysis + weekly dividend insights. Free forever.

More comparisons

FIOCX vs JEPIFIOCX vs OFIOCX vs KOFIOCX vs MAINFIOCX vs VYMFIOCX vs DGROFIOCX vs VIGFIOCX vs HDV

⚠️ Educational purposes only. Not financial advice. Congressional trades sourced from SEC STOCK Act filings via FMP. Past performance does not guarantee future results.