Is ILPMY or SCHD a better dividend investment in 2026?

ILPMY currently yields 0.52% with a 5% 5-year dividend growth rate. SCHD yields 3.46% with 13.05% growth. The better choice depends on your goal: SCHD offers higher current income.

What is the dividend yield difference between ILPMY and SCHD?

ILPMY has a forward dividend yield of 0.52% ($0.02/share annually). SCHD yields 3.46% ($1.06/share annually). The yield gap is 2.94 percentage points.

Home › Compare › ILPMY vs SCHD

ILPMY vs SCHD: Dividend Comparison 2026

ILPMY yields 0.52% · SCHD yields 3.46%● Live data

vsPost on X →

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

🏆 SCHD wins by $9.2K in total portfolio value

INVESTMENT

TIME HORIZON10 years

ILPMY

● Live price

0.52%

Share price

$3.88

Annual div

$0.02

5Y div CAGR

-50%

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$19.8K

Annual income

$0.05

Full ILPMY 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 — ILPMY vs SCHD

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

Jan

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Feb

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Mar

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Apr

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May

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Jun

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Jul

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Aug

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Sep

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Oct

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Nov

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Dec

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ILPMY 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.

ILPMY

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

$43.81/yr

After 10yr DRIP, annual income (after tax)

$0.04/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, SCHD beats the other by $362.02/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 ILPMY + SCHD for your $10,000?

ILPMY: 50%SCHD: 50%

100% SCHD50/50100% ILPMY

Portfolio after 10yr

$24.4K

Annual income

$213.00/yr

Blended yield

0.87%

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

ILPMY buys

SCHD buys

Politician	Chamber	Ticker	Type	Amount	Date
Virginia Foxx	🏢 House	$SCHD	▼ Sell	$50,001 - $100,000	2023-03-08
Steve Cohen	🏢 House	$SCHD	▲ Buy	$50,001 - $100,000	2022-07-29
Hakeem S. Jeffries	🏢 House	$SCHD	▲ Buy	$15,001 - $50,000	2021-04-12
Mikie Sherrill	🏢 House	$SCHD	▲ Buy	$100,001 - $250,000	2020-02-21

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

MetricILPMYSCHD

Forward yield	0.52%	3.46% ✓
Annual dividend / share	$0.02	$1.06 ✓
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	-50%	0% ✓
Portfolio after 10y	$19.8K	$29.0K ✓
Annual income after 10y	$0.05	$425.95 ✓
Total dividends collected	$52.00 ✓	$3.9K
Payment frequency	quarterly	quarterly
Sector	Stock	ETF

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

Year	ILPMY Portfolio	ILPMY Income/yr	SCHD Portfolio	SCHD Income/yr	Gap
1← crossover	$10,726	$25.77	$11,226	$346.36	$500.00 → SCHD
2	$11,489	$12.92	$12,572	$357.38	$1.1K → SCHD
3	$12,300	$6.47	$14,046	$367.84	$1.7K → SCHD
4	$13,164	$3.23	$15,660	$377.73	$2.5K → SCHD
5	$14,088	$1.62	$17,425	$387.07	$3.3K → SCHD
6	$15,075	$0.81	$19,354	$395.86	$4.3K → SCHD
7	$16,130	$0.40	$21,461	$404.13	$5.3K → SCHD
8	$17,259	$0.20	$23,762	$411.89	$6.5K → SCHD
9	$18,468	$0.10	$26,272	$419.15	$7.8K → SCHD
10	$19,761	$0.05	$29,010	$425.95	$9.2K → SCHD

ILPMY vs SCHD: Complete Analysis 2026

ILPMY — Stock

Permanent TSB Group Holdings plc provides financial services to retail, and small and medium sized enterprises. It offers current accounts; retail, corporate, and institutional deposits; mortgages; consumer finance, including term loans, credit cards, and overdrafts; treasury assets; and wholesale funding services. The company also offers mobile and online banking services. It operates through a network of 25 branches in Dublin region, 25 branches in South and East region of the Republic of Ireland, 26 branches in North and West region of the Republic of Ireland. The company was formerly known as Irish Life & Permanent Group Holdings plc and changed its name to Permanent TSB Group Holdings plc in May 2012. Permanent TSB Group Holdings plc was founded in 1816 and is headquartered in Dublin, Ireland.

Full ILPMY 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.