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CALI vs SCHD: Dividend Comparison 2026

CALI yields 2.57% · SCHD yields 3.46%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 SCHD wins by $5.5K in total portfolio value
10 years
CALI
CALI
● Live price
2.57%
Share price
$50.40
Annual div
$1.30
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$23.5K
Annual income
$303.81
Full CALI calculator →
SCHD
Schwab U.S. Dividend Equity ETF
● Live price
3.46%
Share price
$30.48
Annual div
$1.06
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$29.0K
Annual income
$425.95
Full SCHD calculator →

Portfolio growth — CALI 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 PeriodCALISCHD
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%.
📅

Dividend Calendar Overlap

Combined, CALI + SCHD cover 0 of 12 months — good coverage

Jan
—
Feb
—
Mar
—
Apr
—
May
—
Jun
—
Jul
—
Aug
—
Sep
—
Oct
—
Nov
—
Dec
—
CALI pays
SCHD pays
Both pay
Neither
💰

Tax Bracket Optimizer

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

CALI
Annual income on $10K today (after 15% tax)
$218.73/yr
After 10yr DRIP, annual income (after tax)
$258.24/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 $103.82/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of CALI + SCHD for your $10,000?

CALI: 50%SCHD: 50%
100% SCHD50/50100% CALI
Portfolio after 10yr
$26.3K
Annual income
$364.88/yr
Blended yield
1.39%
🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

CALI buys
0
SCHD buys
0
No recent congressional trades found for CALI or SCHD in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricCALISCHD
Forward yield2.57%3.46% ✓
Annual dividend / share$1.30 ✓$1.06
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR0%0%
Portfolio after 10y$23.5K$29.0K ✓
Annual income after 10y$303.81$425.95 ✓
Total dividends collected$2.8K$3.9K ✓
Payment frequencyquarterlyquarterly
SectorStockETF

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

YearCALI PortfolioCALI Income/yrSCHD PortfolioSCHD Income/yrGap
1← crossover$10,957$257.33$11,226$346.36$269.00 → SCHD
2$11,988$263.52$12,572$357.38$584.00 → SCHD
3$13,096$269.44$14,046$367.84$950.00 → SCHD
4$14,288$275.10$15,660$377.73$1.4K → SCHD
5$15,569$280.50$17,425$387.07$1.9K → SCHD
6$16,944$285.64$19,354$395.86$2.4K → SCHD
7$18,421$290.54$21,461$404.13$3.0K → SCHD
8$20,006$295.20$23,762$411.89$3.8K → SCHD
9$21,706$299.62$26,272$419.15$4.6K → SCHD
10$23,529$303.81$29,010$425.95$5.5K → SCHD

CALI vs SCHD: Complete Analysis 2026

CALI — Stock

The iShares Short-Term California Muni Active ETF seeks to maximize tax-free current income by investing in short-term municipal bonds issued in the State of California.

Full CALI 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.