Is OTCKX or SCHD a better dividend investment in 2026?

OTCKX currently yields 16.46% with a 5% 5-year dividend growth rate. SCHD yields 3.44% with 13.05% growth. The better choice depends on your goal: OTCKX offers higher current income.

What is the dividend yield difference between OTCKX and SCHD?

OTCKX has a forward dividend yield of 16.46% ($4.23/share annually). SCHD yields 3.44% ($1.06/share annually). The yield gap is 13.02 percentage points.

Home › Compare › OTCKX vs SCHD

OTCKX vs SCHD: Dividend Comparison 2026

OTCKX yields 16.46% · SCHD yields 3.44%● Live data

vsPost on X →

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

🏆 OTCKX wins by $29.7K in total portfolio value

INVESTMENT

TIME HORIZON10 years

OTCKX

● Live price

16.46%

Share price

$25.71

Annual div

$4.23

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$58.6K

Annual income

$4,528.83

Full OTCKX calculator →

SCHD

Schwab U.S. Dividend Equity ETF

● Live price

3.44%

Share price

$30.68

Annual div

$1.06

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$29.0K

Annual income

$422.61

Full SCHD calculator →

Portfolio growth — OTCKX vs SCHD

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

Jan

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Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

OTCKX 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.

OTCKX

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

$1,399.45/yr

After 10yr DRIP, annual income (after tax)

$3,849.51/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, OTCKX beats the other by $3,490.29/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 OTCKX + SCHD for your $10,000?

OTCKX: 50%SCHD: 50%

100% SCHD50/50100% OTCKX

Portfolio after 10yr

$43.8K

Annual income

$2,475.72/yr

Blended yield

5.65%

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

OTCKX buys

SCHD buys

No recent congressional trades found for OTCKX or SCHD in the last 90 days.

STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →

MetricOTCKXSCHD

Forward yield	16.46% ✓	3.44%
Annual dividend / share	$4.23 ✓	$1.06
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	0%	0%
Portfolio after 10y	$58.6K ✓	$29.0K
Annual income after 10y	$4,528.83 ✓	$422.61
Total dividends collected	$30.0K ✓	$3.9K
Payment frequency	quarterly	quarterly
Sector	Stock	ETF

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

Year	OTCKX Portfolio	OTCKX Income/yr	SCHD Portfolio	SCHD Income/yr	Gap
1← crossover	$12,346	$1,646.41	$11,224	$344.10	+$1.1K → OTCKX
2	$15,110	$1,899.74	$12,567	$354.98	+$2.5K → OTCKX
3	$18,341	$2,172.93	$14,038	$365.30	+$4.3K → OTCKX
4	$22,090	$2,464.96	$15,648	$375.06	+$6.4K → OTCKX
5	$26,411	$2,774.57	$17,410	$384.27	+$9.0K → OTCKX
6	$31,360	$3,100.26	$19,335	$392.95	+$12.0K → OTCKX
7	$36,995	$3,440.38	$21,437	$401.10	+$15.6K → OTCKX
8	$43,378	$3,793.13	$23,733	$408.75	+$19.6K → OTCKX
9	$50,571	$4,156.59	$26,237	$415.91	+$24.3K → OTCKX
10	$58,640	$4,528.83	$28,968	$422.61	+$29.7K → OTCKX

OTCKX vs SCHD: Complete Analysis 2026

OTCKX — Stock

The fund invests at least 80% of the fund's net assets in issuers with medium market capitalizations. MFS generally defines medium market capitalization issuers as issuers with market capitalizations similar to those of issuers included in the Russell Midcap® Growth Index over the last 13 months at the time of purchase.

Full OTCKX 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.