Is SOFIX or SCHD a better dividend investment in 2026?

SOFIX currently yields 8.71% with a 5% 5-year dividend growth rate. SCHD yields 3.46% with 13.05% growth. The better choice depends on your goal: SOFIX offers higher current income.

What is the dividend yield difference between SOFIX and SCHD?

SOFIX has a forward dividend yield of 8.71% ($1.00/share annually). SCHD yields 3.46% ($1.06/share annually). The yield gap is 5.25 percentage points.

Home › Compare › SOFIX vs SCHD

SOFIX vs SCHD: Dividend Comparison 2026

SOFIX yields 8.71% · SCHD yields 3.46%● Live data

vsPost on X →

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

🏆 SOFIX wins by $6.6K in total portfolio value

INVESTMENT

TIME HORIZON10 years

SOFIX

● Live price

8.71%

Share price

$11.48

Annual div

$1.00

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$35.6K

Annual income

$1,509.61

Full SOFIX 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 — SOFIX vs SCHD

📍 SOFIX 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	SOFIX	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, SOFIX + 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

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Oct

—

Nov

—

Dec

—

SOFIX 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.

SOFIX

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

$740.42/yr

After 10yr DRIP, annual income (after tax)

$1,283.17/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, SOFIX beats the other by $921.11/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 SOFIX + SCHD for your $10,000?

SOFIX: 50%SCHD: 50%

100% SCHD50/50100% SOFIX

Portfolio after 10yr

$32.3K

Annual income

$967.78/yr

Blended yield

3.00%

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

SOFIX 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 →

MetricSOFIXSCHD

Forward yield	8.71% ✓	3.46%
Annual dividend / share	$1.00	$1.06 ✓
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	0%	0%
Portfolio after 10y	$35.6K ✓	$29.0K
Annual income after 10y	$1,509.61 ✓	$425.95
Total dividends collected	$11.9K ✓	$3.9K
Payment frequency	quarterly	quarterly
Sector	Stock	ETF

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

Year	SOFIX Portfolio	SOFIX Income/yr	SCHD Portfolio	SCHD Income/yr	Gap
1← crossover	$11,571	$871.08	$11,226	$346.36	+$345.00 → SOFIX
2	$13,323	$941.99	$12,572	$357.38	+$751.00 → SOFIX
3	$15,269	$1,013.66	$14,046	$367.84	+$1.2K → SOFIX
4	$17,424	$1,085.74	$15,660	$377.73	+$1.8K → SOFIX
5	$19,801	$1,157.89	$17,425	$387.07	+$2.4K → SOFIX
6	$22,417	$1,229.81	$19,354	$395.86	+$3.1K → SOFIX
7	$25,288	$1,301.19	$21,461	$404.13	+$3.8K → SOFIX
8	$28,430	$1,371.78	$23,762	$411.89	+$4.7K → SOFIX
9	$31,861	$1,441.32	$26,272	$419.15	+$5.6K → SOFIX
10	$35,601	$1,509.61	$29,010	$425.95	+$6.6K → SOFIX

SOFIX vs SCHD: Complete Analysis 2026

SOFIX — Stock

Opportunistic Credit Interval Fund is a closed-end investment fund. It provides a credit strategy targeting private originations and secondary investments in the US and European middle markets. The company was founded on January 21, 2022 and is headquartered in New York, NY.

Full SOFIX 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.