Is ISUL or SCHD a better dividend investment in 2026?

ISUL currently yields 8.63% with a 5% 5-year dividend growth rate. SCHD yields 3.46% with 13.05% growth. The better choice depends on your goal: ISUL offers higher current income.

What is the dividend yield difference between ISUL and SCHD?

ISUL has a forward dividend yield of 8.63% ($2.00/share annually). SCHD yields 3.46% ($1.06/share annually). The yield gap is 5.17 percentage points.

Home › Compare › ISUL vs SCHD

ISUL vs SCHD: Dividend Comparison 2026

ISUL yields 8.63% · SCHD yields 3.46%● Live data

vsPost on X →

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

🏆 ISUL wins by $6.4K in total portfolio value

INVESTMENT

TIME HORIZON10 years

ISUL

● Live price

8.63%

Share price

$23.19

Annual div

$2.00

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$35.4K

Annual income

$1,486.97

Full ISUL 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 — ISUL vs SCHD

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

Jan

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Feb

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Mar

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Apr

—

May

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Jun

—

Jul

—

Aug

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Sep

—

Oct

—

Nov

—

Dec

—

ISUL 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.

ISUL

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

$733.14/yr

After 10yr DRIP, annual income (after tax)

$1,263.92/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, ISUL beats the other by $901.87/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 ISUL + SCHD for your $10,000?

ISUL: 50%SCHD: 50%

100% SCHD50/50100% ISUL

Portfolio after 10yr

$32.2K

Annual income

$956.46/yr

Blended yield

2.97%

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

ISUL 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 →

MetricISULSCHD

Forward yield	8.63% ✓	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	$35.4K ✓	$29.0K
Annual income after 10y	$1,486.97 ✓	$425.95
Total dividends collected	$11.8K ✓	$3.9K
Payment frequency	quarterly	quarterly
Sector	Stock	ETF

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

Year	ISUL Portfolio	ISUL Income/yr	SCHD Portfolio	SCHD Income/yr	Gap
1← crossover	$11,563	$862.52	$11,226	$346.36	+$337.00 → ISUL
2	$13,304	$932.05	$12,572	$357.38	+$732.00 → ISUL
3	$15,237	$1,002.27	$14,046	$367.84	+$1.2K → ISUL
4	$17,377	$1,072.83	$15,660	$377.73	+$1.7K → ISUL
5	$19,737	$1,143.43	$17,425	$387.07	+$2.3K → ISUL
6	$22,332	$1,213.75	$19,354	$395.86	+$3.0K → ISUL
7	$25,179	$1,283.50	$21,461	$404.13	+$3.7K → ISUL
8	$28,294	$1,352.45	$23,762	$411.89	+$4.5K → ISUL
9	$31,695	$1,420.34	$26,272	$419.15	+$5.4K → ISUL
10	$35,400	$1,486.97	$29,010	$425.95	+$6.4K → ISUL

ISUL vs SCHD: Complete Analysis 2026

ISUL — Stock

The Fund seeks daily investment results, before fees and expenses, of 2 times (200%) the daily percentage change of the common stock of Intuitive Surgical, Inc, (NASDAQ: ISRG) There is no guarantee that the Fund will meet its stated objective. The fund should not be expected to provide 2 times the cumulative return of ISRG for periods greater than a day.

Full ISUL 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.