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OCIP vs SCHD: Dividend Comparison 2026

OCIP yields 17.47% · SCHD yields 3.44%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 OCIP wins by $33.5K in total portfolio value
10 years
OCIP
OCIP
● Live price
17.47%
Share price
$11.45
Annual div
$2.00
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$62.4K
Annual income
$5,091.90
Full OCIP 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 — OCIP vs SCHD

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

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

Tax Bracket Optimizer

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

OCIP
Annual income on $10K today (after 15% tax)
$1,484.72/yr
After 10yr DRIP, annual income (after tax)
$4,328.12/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, OCIP beats the other by $3,968.90/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

OCIP: 50%SCHD: 50%
100% SCHD50/50100% OCIP
Portfolio after 10yr
$45.7K
Annual income
$2,757.25/yr
Blended yield
6.03%
🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

OCIP buys
0
SCHD buys
0
No recent congressional trades found for OCIP or SCHD in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricOCIPSCHD
Forward yield17.47% ✓3.44%
Annual dividend / share$2.00 ✓$1.06
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR0%0%
Portfolio after 10y$62.4K ✓$29.0K
Annual income after 10y$5,091.90 ✓$422.61
Total dividends collected$33.0K ✓$3.9K
Payment frequencyquarterlyquarterly
SectorStockETF

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

YearOCIP PortfolioOCIP Income/yrSCHD PortfolioSCHD Income/yrGap
1← crossover$12,447$1,746.72$11,224$344.10+$1.2K → OCIP
2$15,350$2,031.87$12,567$354.98+$2.8K → OCIP
3$18,766$2,341.86$14,038$365.30+$4.7K → OCIP
4$22,756$2,675.78$15,648$375.06+$7.1K → OCIP
5$27,381$3,032.34$17,410$384.27+$10.0K → OCIP
6$32,708$3,409.99$19,335$392.95+$13.4K → OCIP
7$38,804$3,806.88$21,437$401.10+$17.4K → OCIP
8$45,741$4,220.98$23,733$408.75+$22.0K → OCIP
9$53,593$4,650.09$26,237$415.91+$27.4K → OCIP
10$62,437$5,091.90$28,968$422.61+$33.5K → OCIP

OCIP vs SCHD: Complete Analysis 2026

OCIP — Stock

OCIP is a dividend-paying stock. Use this calculator to estimate your future dividend income, DRIP compounding returns, and passive income potential from investing in OCIP shares.

Full OCIP 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.