HomeCompareIROC vs SCHD

IROC vs SCHD: Dividend Comparison 2026

IROC yields 5.07% · SCHD yields 3.46%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 SCHD wins by $1.1K in total portfolio value
10 years
IROC
IROC
● Live price
5.07%
Share price
$50.25
Annual div
$2.55
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$27.9K
Annual income
$701.54
Full IROC calculator →
SCHD
Schwab U.S. Dividend Equity ETF
● Live price
3.46%
Share price
$30.48
Annual div
$1.06
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$29.0K
Annual income
$425.95
Full SCHD calculator →

Portfolio growth — IROC 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 PeriodIROCSCHD
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, IROC + SCHD cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
IROC pays
SCHD pays
Both pay
Neither
💰

Tax Bracket Optimizer

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

IROC
Annual income on $10K today (after 15% tax)
$431.12/yr
After 10yr DRIP, annual income (after tax)
$596.31/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, IROC beats the other by $234.25/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

IROC: 50%SCHD: 50%
100% SCHD50/50100% IROC
Portfolio after 10yr
$28.5K
Annual income
$563.74/yr
Blended yield
1.98%
🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

IROC buys
0
SCHD buys
0
No recent congressional trades found for IROC or SCHD in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricIROCSCHD
Forward yield5.07%3.46%
Annual dividend / share$2.55$1.06
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR0%0%
Portfolio after 10y$27.9K$29.0K
Annual income after 10y$701.54$425.95
Total dividends collected$6.1K$3.9K
Payment frequencyquarterlyquarterly
SectorStockETF

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

YearIROC PortfolioIROC Income/yrSCHD PortfolioSCHD Income/yrGap
1← crossover$11,207$507.20$11,226$346.36$19.00SCHD
2$12,523$531.25$12,572$357.38$49.00SCHD
3$13,954$554.78$14,046$367.84$92.00SCHD
4$15,509$577.75$15,660$377.73$151.00SCHD
5$17,195$600.11$17,425$387.07$230.00SCHD
6$19,020$621.81$19,354$395.86$334.00SCHD
7$20,994$642.82$21,461$404.13$467.00SCHD
8$23,127$663.13$23,762$411.89$635.00SCHD
9$25,429$682.70$26,272$419.15$843.00SCHD
10$27,910$701.54$29,010$425.95$1.1KSCHD

IROC vs SCHD: Complete Analysis 2026

IROCStock

Invesco Rochester High Yield Municipal ETF (fund) is an actively managed exchange-traded fund (ETF) that seeks current income exempt from federal income tax. The fund seeks to achieve its investment objective by investing, under normal market conditions, at least 75% of its net assets in higher yielding municipal securities, specifically medium-and-lower grade municipal securities. The fund will normally maintain a weighted average portfolio duration of less than 7.5 years.Effective February 24, 2025, The Fund will invest at least 75% of its total assets in low-to medium-quality municipal securities. The Fund’s name will change to “Invesco Rochester High Yield Municipal ETF.” As a result of this change, the Fund will also change its ticker to “IROC.”Effective July 1, 2025 through June 30, 2026, Invesco Capital Management LLC (the “Adviser”) will voluntarily waive 100% of its management fee, 0.39%, for the Fund. The Net Expense Ratio for the Fund through June 30, 2026 is 0.00%.

Full IROC Calculator →

SCHDETF

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.