Is USRTX or HDV a better dividend investment in 2026?

USRTX currently yields 7.00% with a 5% 5-year dividend growth rate. HDV yields 2.92% with 4.8% growth. The better choice depends on your goal: USRTX offers higher current income.

What is the dividend yield difference between USRTX and HDV?

USRTX has a forward dividend yield of 7.00% ($2.21/share annually). HDV yields 2.92% ($3.96/share annually). The yield gap is 4.08 percentage points.

Home › Compare › USRTX vs HDV

USRTX vs HDV: Dividend Comparison 2026

USRTX yields 7.00% · HDV yields 2.92%● Live data

vsPost on X →

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

🏆 USRTX wins by $7.5K in total portfolio value

INVESTMENT

TIME HORIZON10 years

USRTX

● Live price

7.00%

Share price

$31.61

Annual div

$2.21

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$31.8K

Annual income

$1,092.53

Full USRTX 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 — USRTX vs HDV

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

Jan

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Feb

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Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

USRTX pays

HDV pays

Both pay

Neither

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Tax Bracket Optimizer

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

USRTX

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

$595.25/yr

After 10yr DRIP, annual income (after tax)

$928.65/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, USRTX beats the other by $628.83/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 USRTX + HDV for your $10,000?

USRTX: 50%HDV: 50%

100% HDV50/50100% USRTX

Portfolio after 10yr

$28.0K

Annual income

$722.63/yr

Blended yield

2.58%

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

USRTX buys

HDV buys

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

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

MetricUSRTXHDV

Forward yield	7.00% ✓	2.92%
Annual dividend / share	$2.21	$3.96 ✓
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	0%	0%
Portfolio after 10y	$31.8K ✓	$24.3K
Annual income after 10y	$1,092.53 ✓	$352.73
Total dividends collected	$9.0K ✓	$3.2K
Payment frequency	quarterly	quarterly
Sector	Stock	ETF

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

Year	USRTX Portfolio	USRTX Income/yr	HDV Portfolio	HDV Income/yr	Gap
1← crossover	$11,400	$700.29	$11,002	$292.38	+$398.00 → USRTX
2	$12,944	$746.13	$12,084	$300.36	+$860.00 → USRTX
3	$14,642	$791.77	$13,250	$308.02	+$1.4K → USRTX
4	$16,504	$837.03	$14,506	$315.35	+$2.0K → USRTX
5	$18,541	$881.74	$15,858	$322.35	+$2.7K → USRTX
6	$20,765	$925.77	$17,313	$329.04	+$3.5K → USRTX
7	$23,188	$968.97	$18,878	$335.42	+$4.3K → USRTX
8	$25,822	$1,011.23	$20,560	$341.49	+$5.3K → USRTX
9	$28,682	$1,052.44	$22,367	$347.25	+$6.3K → USRTX
10	$31,782	$1,092.53	$24,307	$352.73	+$7.5K → USRTX

USRTX vs HDV: Complete Analysis 2026

USRTX — Stock

The fund seeks to achieve its investment objective by investing primarily in large and mid-cap U.S. common stocks, and employs defensive techniques, including strategic portfolio positioning, to achieve lower overall volatility as compared to the market generally. The fund will invest not less than 80% of the value of its net assets in the equity securities of U.S. companies.

Full USRTX 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.