Is USFR or HDV a better dividend investment in 2026?

USFR currently yields 4.00% with a 5% 5-year dividend growth rate. HDV yields 2.92% with 4.8% growth. The better choice depends on your goal: USFR offers higher current income.

What is the dividend yield difference between USFR and HDV?

USFR has a forward dividend yield of 4.00% ($2.01/share annually). HDV yields 2.92% ($3.96/share annually). The yield gap is 1.08 percentage points.

Home › Compare › USFR vs HDV

USFR vs HDV: Dividend Comparison 2026

USFR yields 4.00% · HDV yields 2.92%● Live data

vsPost on X →

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

🏆 USFR wins by $1.6K in total portfolio value

INVESTMENT

TIME HORIZON10 years

USFR

● Live price

4.00%

Share price

$50.34

Annual div

$2.01

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$26.0K

Annual income

$517.56

Full USFR calculator →

HDV

iShares Core High Dividend ETF

● Live price

2.92%

Share price

$135.39

Annual div

$3.96

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$24.3K

Annual income

$352.73

Full HDV calculator →

Portfolio growth — USFR vs HDV

📍 USFR 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	USFR	HDV
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, USFR + HDV cover 0 of 12 months — good coverage

Jan

—

Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

USFR pays

HDV pays

Both pay

Neither

💰

Tax Bracket Optimizer

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

USFR

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

$340.23/yr

After 10yr DRIP, annual income (after tax)

$439.93/yr

HDV

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

$248.52/yr

After 10yr DRIP, annual income (after tax)

$299.82/yr

At 15% tax rate, USFR beats the other by $140.11/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 USFR + HDV for your $10,000?

USFR: 50%HDV: 50%

100% HDV50/50100% USFR

Portfolio after 10yr

$25.1K

Annual income

$435.14/yr

Blended yield

1.73%

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

USFR buys

HDV buys

No recent congressional trades found for USFR or HDV in the last 90 days.

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

MetricUSFRHDV

Forward yield	4.00% ✓	2.92%
Annual dividend / share	$2.01	$3.96 ✓
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	0%	0%
Portfolio after 10y	$26.0K ✓	$24.3K
Annual income after 10y	$517.56 ✓	$352.73
Total dividends collected	$4.6K ✓	$3.2K
Payment frequency	quarterly	quarterly
Sector	Stock	ETF

Year-by-year: USFR vs HDV ($10,000, DRIP)

Year	USFR Portfolio	USFR Income/yr	HDV Portfolio	HDV Income/yr	Gap
1← crossover	$11,100	$400.28	$11,002	$292.38	+$98.00 → USFR
2	$12,293	$415.25	$12,084	$300.36	+$209.00 → USFR
3	$13,583	$429.77	$13,250	$308.02	+$333.00 → USFR
4	$14,977	$443.81	$14,506	$315.35	+$471.00 → USFR
5	$16,483	$457.36	$15,858	$322.35	+$625.00 → USFR
6	$18,107	$470.42	$17,313	$329.04	+$794.00 → USFR
7	$19,858	$482.96	$18,878	$335.42	+$980.00 → USFR
8	$21,743	$495.00	$20,560	$341.49	+$1.2K → USFR
9	$23,771	$506.53	$22,367	$347.25	+$1.4K → USFR
10	$25,953	$517.56	$24,307	$352.73	+$1.6K → USFR

USFR vs HDV: Complete Analysis 2026

USFR — Stock

The fund invests at least 80% of its total assets (exclusive of collateral held from securities lending) in the component securities of the index and investments that have economic characteristics that are substantially identical to the economic characteristics of such component securities. The index is designed to measure the performance of floating rate public obligations of the U.S. Treasury. The fund is non-diversified.

Full USFR Calculator →

HDV — ETF

The iShares Core High Dividend ETF seeks to track the investment results of an index composed of relatively high dividend paying U.S. equities.

Full HDV 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.