Is BTFL or SCHD a better dividend investment in 2026?

BTFL currently yields 11.72% with a 5% 5-year dividend growth rate. SCHD yields 3.46% with 13.05% growth. The better choice depends on your goal: BTFL offers higher current income.

What is the dividend yield difference between BTFL and SCHD?

BTFL has a forward dividend yield of 11.72% ($2.00/share annually). SCHD yields 3.46% ($1.06/share annually). The yield gap is 8.26 percentage points.

Home › Compare › BTFL vs SCHD

BTFL vs SCHD: Dividend Comparison 2026

BTFL yields 11.72% · SCHD yields 3.46%● Live data

vsPost on X →

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

🏆 BTFL wins by $14.3K in total portfolio value

INVESTMENT

TIME HORIZON10 years

BTFL

● Live price

11.72%

Share price

$17.06

Annual div

$2.00

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$43.4K

Annual income

$2,438.24

Full BTFL 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 — BTFL vs SCHD

📍 BTFL 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	BTFL	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, BTFL + SCHD 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

—

BTFL 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.

BTFL

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

$996.48/yr

After 10yr DRIP, annual income (after tax)

$2,072.50/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, BTFL beats the other by $1,710.45/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 BTFL + SCHD for your $10,000?

BTFL: 50%SCHD: 50%

100% SCHD50/50100% BTFL

Portfolio after 10yr

$36.2K

Annual income

$1,432.09/yr

Blended yield

3.96%

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Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

BTFL 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 →

MetricBTFLSCHD

Forward yield	11.72% ✓	3.46%
Annual dividend / share	$2.00 ✓	$1.06
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	0%	0%
Portfolio after 10y	$43.4K ✓	$29.0K
Annual income after 10y	$2,438.24 ✓	$425.95
Total dividends collected	$17.9K ✓	$3.9K
Payment frequency	quarterly	quarterly
Sector	Stock	ETF

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

Year	BTFL Portfolio	BTFL Income/yr	SCHD Portfolio	SCHD Income/yr	Gap
1← crossover	$11,872	$1,172.33	$11,226	$346.36	+$646.00 → BTFL
2	$14,004	$1,300.78	$12,572	$357.38	+$1.4K → BTFL
3	$16,418	$1,433.97	$14,046	$367.84	+$2.4K → BTFL
4	$19,139	$1,571.20	$15,660	$377.73	+$3.5K → BTFL
5	$22,190	$1,711.72	$17,425	$387.07	+$4.8K → BTFL
6	$25,599	$1,854.80	$19,354	$395.86	+$6.2K → BTFL
7	$29,390	$1,999.69	$21,461	$404.13	+$7.9K → BTFL
8	$33,593	$2,145.68	$23,762	$411.89	+$9.8K → BTFL
9	$38,237	$2,292.08	$26,272	$419.15	+$12.0K → BTFL
10	$43,351	$2,438.24	$29,010	$425.95	+$14.3K → BTFL

BTFL vs SCHD: Complete Analysis 2026

BTFL — Stock

The Fund seeks daily investment results, before fees and expenses, of two times (200%) the daily percentage change in the share price of Bitfarms Ltd. (Nasdaq: BITF). The Fund does not seek to achieve its stated investment objective for a period other than a single trading day.

Full BTFL 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.