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IBCPO vs SCHD: Dividend Comparison 2026

IBCPO yields 8.02% · SCHD yields 3.44%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 IBCPO wins by $5.0K in total portfolio value
10 years
IBCPO
IBCPO
● Live price
8.02%
Share price
$24.95
Annual div
$2.00
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$34.0K
Annual income
$1,331.25
Full IBCPO calculator →
SCHD
Schwab U.S. Dividend Equity ETF
● Live price
3.44%
Share price
$30.68
Annual div
$1.06
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$29.0K
Annual income
$422.61
Full SCHD calculator →

Portfolio growth — IBCPO vs SCHD

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

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

IBCPO
Annual income on $10K today (after 15% tax)
$681.36/yr
After 10yr DRIP, annual income (after tax)
$1,131.56/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, IBCPO beats the other by $772.34/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

IBCPO: 50%SCHD: 50%
100% SCHD50/50100% IBCPO
Portfolio after 10yr
$31.5K
Annual income
$876.93/yr
Blended yield
2.79%
🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

IBCPO buys
0
SCHD buys
0
No recent congressional trades found for IBCPO or SCHD in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricIBCPOSCHD
Forward yield8.02% ✓3.44%
Annual dividend / share$2.00 ✓$1.06
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR0%0%
Portfolio after 10y$34.0K ✓$29.0K
Annual income after 10y$1,331.25 ✓$422.61
Total dividends collected$10.7K ✓$3.9K
Payment frequencyquarterlyquarterly
SectorStockETF

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

YearIBCPO PortfolioIBCPO Income/yrSCHD PortfolioSCHD Income/yrGap
1← crossover$11,502$801.60$11,224$344.10+$278.00 → IBCPO
2$13,168$861.66$12,567$354.98+$601.00 → IBCPO
3$15,012$921.99$14,038$365.30+$974.00 → IBCPO
4$17,045$982.32$15,648$375.06+$1.4K → IBCPO
5$19,281$1,042.39$17,410$384.27+$1.9K → IBCPO
6$21,732$1,101.96$19,335$392.95+$2.4K → IBCPO
7$24,415$1,160.82$21,437$401.10+$3.0K → IBCPO
8$27,342$1,218.77$23,733$408.75+$3.6K → IBCPO
9$30,532$1,275.63$26,237$415.91+$4.3K → IBCPO
10$34,000$1,331.25$28,968$422.61+$5.0K → IBCPO

IBCPO vs SCHD: Complete Analysis 2026

IBCPO — Stock

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

Full IBCPO 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.