Is ICRC or SCHD a better dividend investment in 2026?

ICRC currently yields 35.20% with a 5% 5-year dividend growth rate. SCHD yields 3.46% with 13.05% growth. The better choice depends on your goal: ICRC offers higher current income.

What is the dividend yield difference between ICRC and SCHD?

ICRC has a forward dividend yield of 35.20% ($8.93/share annually). SCHD yields 3.46% ($1.06/share annually). The yield gap is 31.74 percentage points.

Home › Compare › ICRC vs SCHD

ICRC vs SCHD: Dividend Comparison 2026

ICRC yields 35.20% · SCHD yields 3.46%● Live data

vsPost on X →

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

🏆 ICRC wins by $148.9K in total portfolio value

INVESTMENT

TIME HORIZON10 years

ICRC

● Live price

35.20%

Share price

$25.37

Annual div

$8.93

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$177.9K

Annual income

$27,007.32

Full ICRC calculator →

SCHD

Schwab U.S. Dividend Equity ETF

● Live price

3.46%

Share price

$30.48

Annual div

$1.06

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$29.0K

Annual income

$425.95

Full SCHD calculator →

Portfolio growth — ICRC vs SCHD

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

Jan

—

Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

ICRC 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.

ICRC

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

$2,992.36/yr

After 10yr DRIP, annual income (after tax)

$22,956.22/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, ICRC beats the other by $22,594.16/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 ICRC + SCHD for your $10,000?

ICRC: 50%SCHD: 50%

100% SCHD50/50100% ICRC

Portfolio after 10yr

$103.5K

Annual income

$13,716.63/yr

Blended yield

13.26%

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

ICRC buys

SCHD buys

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

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

MetricICRCSCHD

Forward yield	35.20% ✓	3.46%
Annual dividend / share	$8.93 ✓	$1.06
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	0%	0%
Portfolio after 10y	$177.9K ✓	$29.0K
Annual income after 10y	$27,007.32 ✓	$425.95
Total dividends collected	$128.6K ✓	$3.9K
Payment frequency	quarterly	quarterly
Sector	Stock	ETF

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

Year	ICRC Portfolio	ICRC Income/yr	SCHD Portfolio	SCHD Income/yr	Gap
1← crossover	$14,220	$3,520.42	$11,226	$346.36	+$3.0K → ICRC
2	$19,895	$4,678.68	$12,572	$357.38	+$7.3K → ICRC
3	$27,404	$6,117.32	$14,046	$367.84	+$13.4K → ICRC
4	$37,198	$7,875.26	$15,660	$377.73	+$21.5K → ICRC
5	$49,792	$9,990.32	$17,425	$387.07	+$32.4K → ICRC
6	$65,776	$12,497.91	$19,354	$395.86	+$46.4K → ICRC
7	$85,810	$15,429.67	$21,461	$404.13	+$64.3K → ICRC
8	$110,629	$18,812.38	$23,762	$411.89	+$86.9K → ICRC
9	$141,039	$22,666.89	$26,272	$419.15	+$114.8K → ICRC
10	$177,920	$27,007.32	$29,010	$425.95	+$148.9K → ICRC

ICRC vs SCHD: Complete Analysis 2026

ICRC — Stock

The fund aims to provide current income and exposure to the price return of Class A common stock of Circle Internet Group, Inc. (CRCL), by utilizing option income strategies (selling options) on CRCL.

Full ICRC 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.