Home › Compare › NAIFX vs SCHD

NAIFX vs SCHD: Dividend Comparison 2026

NAIFX yields 10.97% · SCHD yields 3.44%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 NAIFX wins by $12.3K in total portfolio value
10 years
NAIFX
NAIFX
● Live price
10.97%
Share price
$9.78
Annual div
$1.07
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$41.3K
Annual income
$2,182.14
Full NAIFX calculator →
SCHD
Schwab U.S. Dividend Equity ETF
● Live price
3.44%
Share price
$30.68
Annual div
$1.06
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$29.0K
Annual income
$422.61
Full SCHD calculator →

Portfolio growth — NAIFX vs SCHD

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

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

Tax Bracket Optimizer

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

NAIFX
Annual income on $10K today (after 15% tax)
$932.84/yr
After 10yr DRIP, annual income (after tax)
$1,854.82/yr
SCHD
Annual income on $10K today (after 15% tax)
$292.49/yr
After 10yr DRIP, annual income (after tax)
$359.22/yr
At 15% tax rate, NAIFX beats the other by $1,495.60/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

NAIFX: 50%SCHD: 50%
100% SCHD50/50100% NAIFX
Portfolio after 10yr
$35.1K
Annual income
$1,302.37/yr
Blended yield
3.71%
🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

NAIFX buys
0
SCHD buys
0
No recent congressional trades found for NAIFX or SCHD in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricNAIFXSCHD
Forward yield10.97% ✓3.44%
Annual dividend / share$1.07 ✓$1.06
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR0%0%
Portfolio after 10y$41.3K ✓$29.0K
Annual income after 10y$2,182.14 ✓$422.61
Total dividends collected$16.3K ✓$3.9K
Payment frequencyquarterlyquarterly
SectorStockETF

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

YearNAIFX PortfolioNAIFX Income/yrSCHD PortfolioSCHD Income/yrGap
1← crossover$11,797$1,097.46$11,224$344.10+$573.00 → NAIFX
2$13,833$1,210.03$12,567$354.98+$1.3K → NAIFX
3$16,128$1,326.02$14,038$365.30+$2.1K → NAIFX
4$18,701$1,444.81$15,648$375.06+$3.1K → NAIFX
5$21,576$1,565.78$17,410$384.27+$4.2K → NAIFX
6$24,775$1,688.29$19,335$392.95+$5.4K → NAIFX
7$28,321$1,811.76$21,437$401.10+$6.9K → NAIFX
8$32,239$1,935.58$23,733$408.75+$8.5K → NAIFX
9$36,555$2,059.21$26,237$415.91+$10.3K → NAIFX
10$41,296$2,182.14$28,968$422.61+$12.3K → NAIFX

NAIFX vs SCHD: Complete Analysis 2026

NAIFX — Stock

Functions as an open-end investment fund

Full NAIFX 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 NAIFX vs SCHD comparison by email

Save your analysis + weekly dividend insights. Free forever.

More comparisons

NAIFX vs JEPINAIFX vs ONAIFX vs KONAIFX vs MAINNAIFX vs VYMNAIFX vs DGRONAIFX vs VIGNAIFX 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.