Is CA or SCHD a better dividend investment in 2026?

CA currently yields 3.21% with a 5% 5-year dividend growth rate. SCHD yields 3.46% with 13.05% growth. The better choice depends on your goal: SCHD offers higher current income.

What is the dividend yield difference between CA and SCHD?

CA has a forward dividend yield of 3.21% ($0.79/share annually). SCHD yields 3.46% ($1.06/share annually). The yield gap is 0.25 percentage points.

Home › Compare › CA vs SCHD

CA vs SCHD: Dividend Comparison 2026

CA yields 3.21% · SCHD yields 3.46%● Live data

vsPost on X →

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

🏆 SCHD wins by $4.4K in total portfolio value

INVESTMENT

TIME HORIZON10 years

● Live price

3.21%

Share price

$24.78

Annual div

$0.79

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$24.6K

Annual income

$394.17

Full CA 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 — CA vs SCHD

📍 SCHD 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	CA	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, CA + SCHD cover 0 of 12 months — good coverage

Jan

—

Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

CA 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.

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

$272.55/yr

After 10yr DRIP, annual income (after tax)

$335.04/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, SCHD beats the other by $27.01/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 CA + SCHD for your $10,000?

CA: 50%SCHD: 50%

100% SCHD50/50100% CA

Portfolio after 10yr

$26.8K

Annual income

$410.05/yr

Blended yield

1.53%

📊

Analyst Conviction Gap

Where Wall Street is split right now

Analyst Ratings

Hold

Consensus: Hold

Altman Z

2.9

Piotroski

7/9

SCHD

No analyst data

Analyst ratings via FMP. Altman Z-Score: >3.0 safe, 1.81–3.0 grey zone, <1.81 distress. Piotroski: 7–9 strong, 0–3 weak.

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Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

CA buys

SCHD buys

Politician	Chamber	Ticker	Type	Amount	Date
Josh Gottheimer	🏢 House	$CA	▼ Sell	$1,001 - $15,000	2018-11-05

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

MetricCASCHD

Forward yield	3.21%	3.46% ✓
Annual dividend / share	$0.79	$1.06 ✓
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	0%	0%
Portfolio after 10y	$24.6K	$29.0K ✓
Annual income after 10y	$394.17	$425.95 ✓
Total dividends collected	$3.6K	$3.9K ✓
Payment frequency	quarterly	quarterly
Sector	Stock	ETF

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

Year	CA Portfolio	CA Income/yr	SCHD Portfolio	SCHD Income/yr	Gap
1← crossover	$11,021	$320.64	$11,226	$346.36	$205.00 → SCHD
2	$12,122	$330.25	$12,572	$357.38	$450.00 → SCHD
3	$13,310	$339.50	$14,046	$367.84	$736.00 → SCHD
4	$14,591	$348.39	$15,660	$377.73	$1.1K → SCHD
5	$15,969	$356.91	$17,425	$387.07	$1.5K → SCHD
6	$17,452	$365.07	$19,354	$395.86	$1.9K → SCHD
7	$19,046	$372.87	$21,461	$404.13	$2.4K → SCHD
8	$20,760	$380.31	$23,762	$411.89	$3.0K → SCHD
9	$22,600	$387.41	$26,272	$419.15	$3.7K → SCHD
10	$24,576	$394.17	$29,010	$425.95	$4.4K → SCHD

CA vs SCHD: Complete Analysis 2026

CA — Stock

Xtrackers California Municipal Bond ETF (the “fund”) seeks investment results that correspond generally to the performance, before fees and expenses, of the ICE AMT-Free Broad Liquid California Municipal Index (the “Underlying Index”).

Full CA 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.