Is USI or HDV a better dividend investment in 2026?

USI currently yields 8.27% with a 5% 5-year dividend growth rate. HDV yields 2.92% with 4.8% growth. The better choice depends on your goal: USI offers higher current income.

What is the dividend yield difference between USI and HDV?

USI has a forward dividend yield of 8.27% ($2.00/share annually). HDV yields 2.92% ($3.96/share annually). The yield gap is 5.35 percentage points.

Home › Compare › USI vs HDV

USI vs HDV: Dividend Comparison 2026

USI yields 8.27% · HDV yields 2.92%● Live data

vsPost on X →

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

🏆 USI wins by $10.3K in total portfolio value

INVESTMENT

TIME HORIZON10 years

USI

● Live price

8.27%

Share price

$24.18

Annual div

$2.00

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$34.6K

Annual income

$1,395.35

Full USI calculator →

HDV

iShares Core High Dividend ETF

● Live price

2.92%

Share price

$135.72

Annual div

$3.96

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$24.3K

Annual income

$351.71

Full HDV calculator →

Portfolio growth — USI vs HDV

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

Jan

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Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

USI pays

HDV pays

Both pay

Neither

💰

Tax Bracket Optimizer

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

USI

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

$703.06/yr

After 10yr DRIP, annual income (after tax)

$1,186.05/yr

HDV

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

$247.92/yr

After 10yr DRIP, annual income (after tax)

$298.95/yr

At 15% tax rate, USI beats the other by $887.09/year in after-tax income after 10 years on $10,000

⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of USI + HDV for your $10,000?

USI: 50%HDV: 50%

100% HDV50/50100% USI

Portfolio after 10yr

$29.4K

Annual income

$873.54/yr

Blended yield

2.97%

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

USI buys

HDV buys

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

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

MetricUSIHDV

Forward yield	8.27% ✓	2.92%
Annual dividend / share	$2.00	$3.96 ✓
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	0%	0%
Portfolio after 10y	$34.6K ✓	$24.3K
Annual income after 10y	$1,395.35 ✓	$351.71
Total dividends collected	$11.1K ✓	$3.2K
Payment frequency	quarterly	quarterly
Sector	Stock	ETF

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

Year	USI Portfolio	USI Income/yr	HDV Portfolio	HDV Income/yr	Gap
1← crossover	$11,527	$827.13	$11,002	$291.67	+$525.00 → USI
2	$13,225	$891.07	$12,082	$299.61	+$1.1K → USI
3	$15,106	$955.44	$13,247	$307.23	+$1.9K → USI
4	$17,184	$1,019.95	$14,503	$314.52	+$2.7K → USI
5	$19,471	$1,084.31	$15,854	$321.50	+$3.6K → USI
6	$21,982	$1,148.26	$17,308	$328.15	+$4.7K → USI
7	$24,732	$1,211.55	$18,871	$334.49	+$5.9K → USI
8	$27,738	$1,273.95	$20,551	$340.53	+$7.2K → USI
9	$31,015	$1,335.28	$22,357	$346.27	+$8.7K → USI
10	$34,581	$1,395.35	$24,296	$351.71	+$10.3K → USI

USI vs HDV: Complete Analysis 2026

USI — Stock

The fund is an actively managed exchange-traded fund ("ETF") that seeks to achieve its investment objective by investing, under normal circumstances, at least 80% of its net assets, plus any borrowings for investment purposes, in investment-grade bonds and other fixed income securities. The fund invests in fixed- and floating-rate securities. Under normal circumstances, the fund maintains an average effective maturity of three years or less and an average portfolio duration of one year or less.

Full USI 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.