Is RICBX or SCHD a better dividend investment in 2026?

RICBX currently yields 10.76% with a 5% 5-year dividend growth rate. SCHD yields 3.46% with 13.05% growth. The better choice depends on your goal: RICBX offers higher current income.

What is the dividend yield difference between RICBX and SCHD?

RICBX has a forward dividend yield of 10.76% ($6.14/share annually). SCHD yields 3.46% ($1.06/share annually). The yield gap is 7.30 percentage points.

Home › Compare › RICBX vs SCHD

RICBX vs SCHD: Dividend Comparison 2026

RICBX yields 10.76% · SCHD yields 3.46%● Live data

vsPost on X →

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

🏆 RICBX wins by $11.7K in total portfolio value

INVESTMENT

TIME HORIZON10 years

RICBX

● Live price

10.76%

Share price

$57.04

Annual div

$6.14

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$40.7K

Annual income

$2,112.47

Full RICBX 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 — RICBX vs SCHD

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

Jan

—

Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

RICBX 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.

RICBX

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

$914.73/yr

After 10yr DRIP, annual income (after tax)

$1,795.60/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, RICBX beats the other by $1,433.54/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 RICBX + SCHD for your $10,000?

RICBX: 50%SCHD: 50%

100% SCHD50/50100% RICBX

Portfolio after 10yr

$34.9K

Annual income

$1,269.20/yr

Blended yield

3.64%

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

RICBX buys

SCHD buys

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

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

MetricRICBXSCHD

Forward yield	10.76% ✓	3.46%
Annual dividend / share	$6.14 ✓	$1.06
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	0%	0%
Portfolio after 10y	$40.7K ✓	$29.0K
Annual income after 10y	$2,112.47 ✓	$425.95
Total dividends collected	$15.9K ✓	$3.9K
Payment frequency	quarterly	quarterly
Sector	Stock	ETF

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

Year	RICBX Portfolio	RICBX Income/yr	SCHD Portfolio	SCHD Income/yr	Gap
1← crossover	$11,776	$1,076.16	$11,226	$346.36	+$550.00 → RICBX
2	$13,785	$1,184.39	$12,572	$357.38	+$1.2K → RICBX
3	$16,046	$1,295.72	$14,046	$367.84	+$2.0K → RICBX
4	$18,578	$1,409.54	$15,660	$377.73	+$2.9K → RICBX
5	$21,404	$1,525.27	$17,425	$387.07	+$4.0K → RICBX
6	$24,545	$1,642.30	$19,354	$395.86	+$5.2K → RICBX
7	$28,023	$1,760.07	$21,461	$404.13	+$6.6K → RICBX
8	$31,862	$1,878.02	$23,762	$411.89	+$8.1K → RICBX
9	$36,088	$1,995.65	$26,272	$419.15	+$9.8K → RICBX
10	$40,727	$2,112.47	$29,010	$425.95	+$11.7K → RICBX

RICBX vs SCHD: Complete Analysis 2026

RICBX — Stock

The fund invests primarily in common stocks, most of which have a history of paying dividends. It may invest up to 15% of its assets, at the time of purchase, in securities of issuers domiciled outside the United States. Although the fund focuses on investments in medium to larger capitalization companies, the fund's investments are not limited to a particular capitalization size.

Full RICBX 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.