Is IPAC or SCHD a better dividend investment in 2026?

IPAC currently yields 4.26% with a 5% 5-year dividend growth rate. SCHD yields 3.46% with 13.05% growth. The better choice depends on your goal: IPAC offers higher current income.

What is the dividend yield difference between IPAC and SCHD?

IPAC has a forward dividend yield of 4.26% ($3.16/share annually). SCHD yields 3.46% ($1.06/share annually). The yield gap is 0.80 percentage points.

Home › Compare › IPAC vs SCHD

IPAC vs SCHD: Dividend Comparison 2026

IPAC yields 4.26% · SCHD yields 3.46%● Live data

vsPost on X →

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

🏆 SCHD wins by $2.6K in total portfolio value

INVESTMENT

TIME HORIZON10 years

IPAC

● Live price

4.26%

Share price

$74.26

Annual div

$3.16

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$26.4K

Annual income

$559.97

Full IPAC 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 — IPAC 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	IPAC	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, IPAC + SCHD cover 0 of 12 months — good coverage

Jan

—

Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

IPAC pays

SCHD pays

Both pay

Neither

💰

Tax Bracket Optimizer

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

IPAC

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

$362.16/yr

After 10yr DRIP, annual income (after tax)

$475.97/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, IPAC beats the other by $113.92/year in after-tax income after 10 years on $10,000

⚖️

Lazy Portfolio Split Optimizer

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

IPAC: 50%SCHD: 50%

100% SCHD50/50100% IPAC

Portfolio after 10yr

$27.7K

Annual income

$492.96/yr

Blended yield

1.78%

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

IPAC 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 →

MetricIPACSCHD

Forward yield	4.26% ✓	3.46%
Annual dividend / share	$3.16 ✓	$1.06
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	0%	0%
Portfolio after 10y	$26.4K	$29.0K ✓
Annual income after 10y	$559.97 ✓	$425.95
Total dividends collected	$5.0K ✓	$3.9K
Payment frequency	quarterly	quarterly
Sector	Stock	ETF

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

Year	IPAC Portfolio	IPAC Income/yr	SCHD Portfolio	SCHD Income/yr	Gap
1← crossover	$11,126	$426.07	$11,226	$346.36	$100.00 → SCHD
2	$12,348	$443.04	$12,572	$357.38	$224.00 → SCHD
3	$13,672	$459.53	$14,046	$367.84	$374.00 → SCHD
4	$15,104	$475.51	$15,660	$377.73	$556.00 → SCHD
5	$16,653	$490.96	$17,425	$387.07	$772.00 → SCHD
6	$18,324	$505.88	$19,354	$395.86	$1.0K → SCHD
7	$20,127	$520.24	$21,461	$404.13	$1.3K → SCHD
8	$22,070	$534.05	$23,762	$411.89	$1.7K → SCHD
9	$24,162	$547.29	$26,272	$419.15	$2.1K → SCHD
10	$26,414	$559.97	$29,010	$425.95	$2.6K → SCHD

IPAC vs SCHD: Complete Analysis 2026

IPAC — Stock

The iShares Core MSCI Pacific ETF seeks to track the investment results of an index composed of large-, mid- and small-capitalization Pacific region equities.

Full IPAC 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 IPAC vs SCHD comparison by email

Save your analysis + weekly dividend insights. Free forever.

More comparisons

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