HomeCompareUNRIF vs SCHD

UNRIF vs SCHD: Dividend Comparison 2026

UNRIF yields 217.86% · SCHD yields 3.46%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 UNRIF wins by $197.57M in total portfolio value
10 years
UNRIF
UNRIF
● Live price
217.86%
Share price
$0.92
Annual div
$2.00
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$197.60M
Annual income
$103,838,497.97
Full UNRIF calculator →
SCHD
Schwab U.S. Dividend Equity ETF
● Live price
3.46%
Share price
$30.48
Annual div
$1.06
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$29.0K
Annual income
$425.95
Full SCHD calculator →

Portfolio growth — UNRIF vs SCHD

📍 UNRIF 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 PeriodUNRIFSCHD
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, UNRIF + SCHD cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
UNRIF 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.

UNRIF
Annual income on $10K today (after 15% tax)
$18,518.52/yr
After 10yr DRIP, annual income (after tax)
$88,262,723.27/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, UNRIF beats the other by $88,262,361.22/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 UNRIF + SCHD for your $10,000?

UNRIF: 50%SCHD: 50%
100% SCHD50/50100% UNRIF
Portfolio after 10yr
$98.81M
Annual income
$51,919,461.95/yr
Blended yield
52.54%
🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

UNRIF buys
0
SCHD buys
3
PoliticianChamberTickerTypeAmountDate
Virginia Foxx🏢 House$SCHD▼ Sell$50,001 - $100,0002023-03-08
Steve Cohen🏢 House$SCHD▲ Buy$50,001 - $100,0002022-07-29
Hakeem S. Jeffries🏢 House$SCHD▲ Buy$15,001 - $50,0002021-04-12
Mikie Sherrill🏢 House$SCHD▲ Buy$100,001 - $250,0002020-02-21
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricUNRIFSCHD
Forward yield217.86%3.46%
Annual dividend / share$2.00$1.06
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR0%0%
Portfolio after 10y$197.60M$29.0K
Annual income after 10y$103,838,497.97$425.95
Total dividends collected$187.07M$3.9K
Payment frequencyquarterlyquarterly
SectorStockETF

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

YearUNRIF PortfolioUNRIF Income/yrSCHD PortfolioSCHD Income/yrGap
1← crossover$32,486$21,786.49$11,226$346.36+$21.3KUNRIF
2$100,907$66,146.42$12,572$357.38+$88.3KUNRIF
3$299,988$192,017.55$14,046$367.84+$285.9KUNRIF
4$854,494$533,506.69$15,660$377.73+$838.8KUNRIF
5$2,334,546$1,420,238.07$17,425$387.07+$2.32MUNRIF
6$6,124,325$3,626,360.32$19,354$395.86+$6.10MUNRIF
7$15,443,870$8,890,841.81$21,461$404.13+$15.42MUNRIF
8$37,478,461$20,953,520.33$23,762$411.89+$37.45MUNRIF
9$87,624,405$47,522,451.93$26,272$419.15+$87.60MUNRIF
10$197,596,611$103,838,497.97$29,010$425.95+$197.57MUNRIF

UNRIF vs SCHD: Complete Analysis 2026

UNRIFStock

United Company RUSAL, International Public Joint-Stock Company produces and sells aluminum and related products. It operates through four segments: Aluminium, Alumina, Energy, and Mining and Metals. The company is involved in the mining and refining of bauxite and nepheline ore into alumina; the smelting of primary aluminum from alumina; and the fabrication of aluminum and aluminum alloys into semi-fabricated and finished products. Its products include primary aluminum, billets, rolling slabs, primary foundry alloys, wire rods, high-purity aluminum, foil and packaging products, aluminum wheels and powders, alumina and bauxite products, corundum products, and gallium and silicon products, as well as aluminum anodes for cathodic protection. The company is also involved in the mining and sale of coal; generation and transmission of electricity produced from various sources; and trading businesses. In addition, it offers repair and maintenance, and finance services. The company sells its products primarily in Europe, Russia, other countries of the Commonwealth of Independent States, Asia, and North and South America. The company was founded in 2000 and is based in Kaliningrad, Russia. United Company RUSAL, International Public Joint-Stock Company is a subsidiary of En+ GROUP International public joint-stock company.

Full UNRIF Calculator →

SCHDETF

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.