Is IRLTY or SCHD a better dividend investment in 2026?

IRLTY currently yields 5.24% with a 5% 5-year dividend growth rate. SCHD yields 3.46% with 13.05% growth. The better choice depends on your goal: IRLTY offers higher current income.

What is the dividend yield difference between IRLTY and SCHD?

IRLTY has a forward dividend yield of 5.24% ($0.06/share annually). SCHD yields 3.46% ($1.06/share annually). The yield gap is 1.78 percentage points.

Home › Compare › IRLTY vs SCHD

IRLTY vs SCHD: Dividend Comparison 2026

IRLTY yields 5.24% · SCHD yields 3.46%● Live data

vsPost on X →

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

🏆 SCHD wins by $785.00 in total portfolio value

INVESTMENT

TIME HORIZON10 years

IRLTY

● Live price

5.24%

Share price

$1.10

Annual div

$0.06

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$28.2K

Annual income

$731.99

Full IRLTY 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 — IRLTY 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	IRLTY	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, IRLTY + 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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IRLTY 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.

IRLTY

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

$445.19/yr

After 10yr DRIP, annual income (after tax)

$622.19/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, IRLTY beats the other by $260.13/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 IRLTY + SCHD for your $10,000?

IRLTY: 50%SCHD: 50%

100% SCHD50/50100% IRLTY

Portfolio after 10yr

$28.6K

Annual income

$578.97/yr

Blended yield

2.02%

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Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

IRLTY 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 →

MetricIRLTYSCHD

Forward yield	5.24% ✓	3.46%
Annual dividend / share	$0.06	$1.06 ✓
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	0%	0%
Portfolio after 10y	$28.2K	$29.0K ✓
Annual income after 10y	$731.99 ✓	$425.95
Total dividends collected	$6.3K ✓	$3.9K
Payment frequency	quarterly	quarterly
Sector	Stock	ETF

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

Year	IRLTY Portfolio	IRLTY Income/yr	SCHD Portfolio	SCHD Income/yr	Gap
1← crossover	$11,224	$523.75	$11,226	$346.36	$2.00 → SCHD
2	$12,559	$549.39	$12,572	$357.38	$13.00 → SCHD
3	$14,012	$574.52	$14,046	$367.84	$34.00 → SCHD
4	$15,592	$599.09	$15,660	$377.73	$68.00 → SCHD
5	$17,307	$623.03	$17,425	$387.07	$118.00 → SCHD
6	$19,165	$646.29	$19,354	$395.86	$189.00 → SCHD
7	$21,175	$668.85	$21,461	$404.13	$286.00 → SCHD
8	$23,348	$690.66	$23,762	$411.89	$414.00 → SCHD
9	$25,694	$711.72	$26,272	$419.15	$578.00 → SCHD
10	$28,225	$731.99	$29,010	$425.95	$785.00 → SCHD

IRLTY vs SCHD: Complete Analysis 2026

IRLTY — Stock

Intralot S.A. Integrated Lottery Systems and Services supplies integrated gaming and transaction processing systems, game content, sports betting management, and interactive gaming services to state-licensed gaming organizations worldwide. The company offers LotosX, an open and modular ecosystem that enables operators to offer secure, reliable, flexible, and seamless gaming services; LotosXi, a solution for digital lotteries; INTRALOT Orion, a sports betting platform; INTRALOT GMS, an integrated solution for monitoring and controlling large-scale gaming networks; and INTRALOT Gaming License System, an integrated platform that offers gaming regulators end-to-end processing and workflow management for various gaming licensing processes. It also provides Lottery Next, a digital lottery and sports betting purchasing experience for customers in retail locations; ScannPlay, a digital lottery and betting in-store customer experience that supports unregistered player participation, as well as allows players to place their bet, pay, and receive a digital e-ticket in their mobile without having to touch paper or money; and TapnBet, an impulse betting which uses vending machine or self-service terminal to help less experienced users browse among the games. The company is also involved in the design, organization, and/or management of games; and advertising and sales promotion activities. In addition, it provides risk management for fixed odds games, etc.; game operating services; and installation, technical support, and maintenance services to lotteries. Intralot S.A. Integrated Lottery Systems and Services was incorporated in 1992 and is based in Paiania, Greece.

Full IRLTY 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.