Is IEF or SCHD a better dividend investment in 2026?

IEF currently yields 3.83% with a 5% 5-year dividend growth rate. SCHD yields 3.46% with 13.05% growth. The better choice depends on your goal: IEF offers higher current income.

What is the dividend yield difference between IEF and SCHD?

IEF has a forward dividend yield of 3.83% ($3.65/share annually). SCHD yields 3.46% ($1.06/share annually). The yield gap is 0.37 percentage points.

Home › Compare › IEF vs SCHD

IEF vs SCHD: Dividend Comparison 2026

IEF yields 3.83% · SCHD yields 3.46%● Live data

vsPost on X →

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

🏆 SCHD wins by $3.4K in total portfolio value

INVESTMENT

TIME HORIZON10 years

IEF

● Live price

3.83%

Share price

$95.27

Annual div

$3.65

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$25.6K

Annual income

$489.61

Full IEF 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 — IEF 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 Period	IEF	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%.

📅

Dividend Calendar Overlap

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

Jan

—

Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

IEF pays

SCHD pays

Both pay

Neither

💰

Tax Bracket Optimizer

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

IEF

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

$325.43/yr

After 10yr DRIP, annual income (after tax)

$416.17/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, IEF beats the other by $54.11/year in after-tax income after 10 years on $10,000

⚖️

Lazy Portfolio Split Optimizer

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

IEF: 50%SCHD: 50%

100% SCHD50/50100% IEF

Portfolio after 10yr

$27.3K

Annual income

$457.78/yr

Blended yield

1.68%

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

IEF buys

SCHD buys

Politician	Chamber	Ticker	Type	Amount	Date
John Boozman	🏛 Senate	$IEF	▲ Buy	$1,001 - $15,000	2026-02-06
John Boozman	🏛 Senate	$IEF	▲ Buy	$15,001 - $50,000	2025-09-16
John Boozman	🏛 Senate	$IEF	▲ Buy	$15,001 - $50,000	2025-09-16
John Boozman	🏛 Senate	$IEF	▲ Buy	$1,001 - $15,000	2025-08-01
John Boozman	🏛 Senate	$IEF	▲ Buy	$1,001 - $15,000	2025-08-01
John Boozman	🏛 Senate	$IEF	▲ Buy	$1,001 - $15,000	2024-09-06
John Boozman	🏛 Senate	$IEF	▲ Buy	$1,001 - $15,000	2024-09-06
John Boozman	🏛 Senate	$IEF	▼ Sell	$1,001 - $15,000	2024-06-26
John Boozman	🏛 Senate	$IEF	▼ Sell	$1,001 - $15,000	2024-06-26
John Boozman	🏛 Senate	$IEF	▼ Sell	$1,001 - $15,000	2024-02-20

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

MetricIEFSCHD

Forward yield	3.83% ✓	3.46%
Annual dividend / share	$3.65 ✓	$1.06
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	0%	0%
Portfolio after 10y	$25.6K	$29.0K ✓
Annual income after 10y	$489.61 ✓	$425.95
Total dividends collected	$4.4K ✓	$3.9K
Payment frequency	quarterly	quarterly
Sector	ETF	ETF

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

Year	IEF Portfolio	IEF Income/yr	SCHD Portfolio	SCHD Income/yr	Gap
1← crossover	$11,083	$382.86	$11,226	$346.36	$143.00 → SCHD
2	$12,255	$396.56	$12,572	$357.38	$317.00 → SCHD
3	$13,523	$409.82	$14,046	$367.84	$523.00 → SCHD
4	$14,892	$422.63	$15,660	$377.73	$768.00 → SCHD
5	$16,370	$434.97	$17,425	$387.07	$1.1K → SCHD
6	$17,962	$446.84	$19,354	$395.86	$1.4K → SCHD
7	$19,678	$458.24	$21,461	$404.13	$1.8K → SCHD
8	$21,524	$469.17	$23,762	$411.89	$2.2K → SCHD
9	$23,511	$479.62	$26,272	$419.15	$2.8K → SCHD
10	$25,646	$489.61	$29,010	$425.95	$3.4K → SCHD

IEF vs SCHD: Complete Analysis 2026

IEF — ETF

The iShares 7-10 Year Treasury Bond ETF (IEF) seeks to track the investment results of an index composed of U.S. Treasury bonds with remaining maturities between seven and ten years.

Full IEF 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 IEF vs SCHD comparison by email

Save your analysis + weekly dividend insights. Free forever.

More comparisons

IEF vs JEPI IEF vs O IEF vs KO IEF vs MAIN IEF vs VYM IEF vs DGRO IEF vs VIG IEF 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.