Is IRAA or SCHD a better dividend investment in 2026?

IRAA currently yields 31.10% with a 5% 5-year dividend growth rate. SCHD yields 3.46% with 13.05% growth. The better choice depends on your goal: IRAA offers higher current income.

What is the dividend yield difference between IRAA and SCHD?

IRAA has a forward dividend yield of 31.10% ($2.00/share annually). SCHD yields 3.46% ($1.06/share annually). The yield gap is 27.64 percentage points.

Home › Compare › IRAA vs SCHD

IRAA vs SCHD: Dividend Comparison 2026

IRAA yields 31.10% · SCHD yields 3.46%● Live data

vsPost on X →

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

🏆 IRAA wins by $112.0K in total portfolio value

INVESTMENT

TIME HORIZON10 years

IRAA

● Live price

31.10%

Share price

$6.43

Annual div

$2.00

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$141.0K

Annual income

$19,256.83

Full IRAA 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 — IRAA vs SCHD

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

Jan

—

Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

IRAA pays

SCHD pays

Both pay

Neither

💰

Tax Bracket Optimizer

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

IRAA

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

$2,643.86/yr

After 10yr DRIP, annual income (after tax)

$16,368.31/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, IRAA beats the other by $16,006.25/year in after-tax income after 10 years on $10,000

⚖️

Lazy Portfolio Split Optimizer

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

IRAA: 50%SCHD: 50%

100% SCHD50/50100% IRAA

Portfolio after 10yr

$85.0K

Annual income

$9,841.39/yr

Blended yield

11.57%

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

IRAA buys

SCHD buys

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

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

MetricIRAASCHD

Forward yield	31.10% ✓	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	$141.0K ✓	$29.0K
Annual income after 10y	$19,256.83 ✓	$425.95
Total dividends collected	$97.6K ✓	$3.9K
Payment frequency	quarterly	quarterly
Sector	Stock	ETF

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

Year	IRAA Portfolio	IRAA Income/yr	SCHD Portfolio	SCHD Income/yr	Gap
1← crossover	$13,810	$3,110.42	$11,226	$346.36	+$2.6K → IRAA
2	$18,792	$4,014.60	$12,572	$357.38	+$6.2K → IRAA
3	$25,212	$5,105.27	$14,046	$367.84	+$11.2K → IRAA
4	$33,379	$6,401.51	$15,660	$377.73	+$17.7K → IRAA
5	$43,636	$7,920.54	$17,425	$387.07	+$26.2K → IRAA
6	$56,367	$9,677.07	$19,354	$395.86	+$37.0K → IRAA
7	$71,996	$11,682.74	$21,461	$404.13	+$50.5K → IRAA
8	$90,981	$13,945.71	$23,762	$411.89	+$67.2K → IRAA
9	$113,820	$16,470.29	$26,272	$419.15	+$87.5K → IRAA
10	$141,045	$19,256.83	$29,010	$425.95	+$112.0K → IRAA

IRAA vs SCHD: Complete Analysis 2026

IRAA — Stock

Tribe Capital Growth Corp I does not have significant operations. It intends to effect a merger, capital stock exchange, asset acquisition, stock purchase, reorganization, or similar business combination with one or more businesses. The company was incorporated in 2020 and is based in San Francisco, California.

Full IRAA 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.