Is IOUFF or SCHD a better dividend investment in 2026?

IOUFF currently yields 1243.01% with a 5% 5-year dividend growth rate. SCHD yields 3.46% with 13.05% growth. The better choice depends on your goal: IOUFF offers higher current income.

What is the dividend yield difference between IOUFF and SCHD?

IOUFF has a forward dividend yield of 1243.01% ($2.00/share annually). SCHD yields 3.46% ($1.06/share annually). The yield gap is 1239.55 percentage points.

Home › Compare › IOUFF vs SCHD

IOUFF vs SCHD: Dividend Comparison 2026

IOUFF yields 1243.01% · SCHD yields 3.46%● Live data

vsPost on X →

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

🏆 IOUFF wins by $128705710.69M in total portfolio value

INVESTMENT

TIME HORIZON10 years

IOUFF

● Live price

1243.01%

Share price

$0.16

Annual div

$2.00

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$128705710.72M

Annual income

$111,120,135,187,325.02

Full IOUFF 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 — IOUFF vs SCHD

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

Jan

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Feb

—

Mar

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Apr

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May

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Jun

—

Jul

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Aug

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Sep

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Oct

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Nov

—

Dec

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IOUFF 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.

IOUFF

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

$105,655.69/yr

After 10yr DRIP, annual income (after tax)

$94,452,114,909,226.27/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, IOUFF beats the other by $94,452,114,908,864.20/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 IOUFF + SCHD for your $10,000?

IOUFF: 50%SCHD: 50%

100% SCHD50/50100% IOUFF

Portfolio after 10yr

$64352855.38M

Annual income

$55,560,067,593,875.48/yr

Blended yield

86.34%

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

IOUFF buys

SCHD buys

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

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

MetricIOUFFSCHD

Forward yield	1243.01% ✓	3.46%
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	$128705710.72M ✓	$29.0K
Annual income after 10y	$111,120,135,187,325.02 ✓	$425.95
Total dividends collected	$127399125.50M ✓	$3.9K
Payment frequency	quarterly	quarterly
Sector	Stock	ETF

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

Year	IOUFF Portfolio	IOUFF Income/yr	SCHD Portfolio	SCHD Income/yr	Gap
1← crossover	$135,001	$124,300.81	$11,226	$346.36	+$123.8K → IOUFF
2	$1,712,741	$1,568,290.61	$12,572	$357.38	+$1.70M → IOUFF
3	$20,427,720	$18,595,086.80	$14,046	$367.84	+$20.41M → IOUFF
4	$229,130,558	$207,272,897.61	$15,660	$377.73	+$229.11M → IOUFF
5	$2,417,980,210	$2,172,810,513.19	$17,425	$387.07	+$2417.96M → IOUFF
6	$24,016,529,967	$21,429,291,141.44	$19,354	$395.86	+$24016.51M → IOUFF
7	$224,619,103,924	$198,921,416,859.28	$21,461	$404.13	+$224619.08M → IOUFF
8	$1,979,080,651,152	$1,738,738,209,953.57	$23,762	$411.89	+$1979080.63M → IOUFF
9	$16,435,117,323,940	$14,317,501,027,207.66	$26,272	$419.15	+$16435117.30M → IOUFF
10	$128,705,710,723,941	$111,120,135,187,325.02	$29,010	$425.95	+$128705710.69M → IOUFF

IOUFF vs SCHD: Complete Analysis 2026

IOUFF — Stock

IOU Financial Inc., through its subsidiary, IOU Central Inc., operates an Internet-based commercial lending business in the United States. The company originates and sells commercial loans receivable; and services loans that are sold to institutional purchasers on a non-recourse basis. It serves medical and dental practices, grocery and retail stores, restaurant and hotel franchisees, and e-commerce companies. IOU Financial Inc. was founded in 1977 and is headquartered in Montreal, Canada.

Full IOUFF 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.