Is HCARU or SCHD a better dividend investment in 2026?

HCARU currently yields 19.80% with a 5% 5-year dividend growth rate. SCHD yields 3.44% with 13.05% growth. The better choice depends on your goal: HCARU offers higher current income.

What is the dividend yield difference between HCARU and SCHD?

HCARU has a forward dividend yield of 19.80% ($2.00/share annually). SCHD yields 3.44% ($1.06/share annually). The yield gap is 16.36 percentage points.

Home › Compare › HCARU vs SCHD

HCARU vs SCHD: Dividend Comparison 2026

HCARU yields 19.80% · SCHD yields 3.44%● Live data

vsPost on X →

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

🏆 HCARU wins by $43.2K in total portfolio value

INVESTMENT

TIME HORIZON10 years

HCARU

● Live price

19.80%

Share price

$10.10

Annual div

$2.00

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$72.1K

Annual income

$6,597.67

Full HCARU 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 — HCARU vs SCHD

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

Jan

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Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

HCARU 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.

HCARU

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

$1,683.17/yr

After 10yr DRIP, annual income (after tax)

$5,608.02/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, HCARU beats the other by $5,248.80/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 HCARU + SCHD for your $10,000?

HCARU: 50%SCHD: 50%

100% SCHD50/50100% HCARU

Portfolio after 10yr

$50.6K

Annual income

$3,510.13/yr

Blended yield

6.94%

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

HCARU buys

SCHD buys

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

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

MetricHCARUSCHD

Forward yield	19.80% ✓	3.44%
Annual dividend / share	$2.00 ✓	$1.06
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	0%	0%
Portfolio after 10y	$72.1K ✓	$29.0K
Annual income after 10y	$6,597.67 ✓	$422.61
Total dividends collected	$40.8K ✓	$3.9K
Payment frequency	quarterly	quarterly
Sector	Stock	ETF

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

Year	HCARU Portfolio	HCARU Income/yr	SCHD Portfolio	SCHD Income/yr	Gap
1← crossover	$12,680	$1,980.20	$11,224	$344.10	+$1.5K → HCARU
2	$15,914	$2,346.66	$12,567	$354.98	+$3.3K → HCARU
3	$19,781	$2,752.54	$14,038	$365.30	+$5.7K → HCARU
4	$24,363	$3,197.47	$15,648	$375.06	+$8.7K → HCARU
5	$29,749	$3,680.50	$17,410	$384.27	+$12.3K → HCARU
6	$36,032	$4,200.14	$19,335	$392.95	+$16.7K → HCARU
7	$43,308	$4,754.34	$21,437	$401.10	+$21.9K → HCARU
8	$51,680	$5,340.63	$23,733	$408.75	+$27.9K → HCARU
9	$61,254	$5,956.13	$26,237	$415.91	+$35.0K → HCARU
10	$72,140	$6,597.67	$28,968	$422.61	+$43.2K → HCARU

HCARU vs SCHD: Complete Analysis 2026

HCARU — Stock

Healthcare Services Acquisition Corporation does not have significant operations. It focuses on effecting a merger, capital stock exchange, asset acquisition, stock purchase, reorganization, or similar business combination with one or more businesses. Healthcare Services Acquisition Corporation was incorporated in 2020 and is based in Bethesda, Maryland.

Full HCARU 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.