Is CLDIX or SCHD a better dividend investment in 2026?

CLDIX currently yields 4.51% with a 5% 5-year dividend growth rate. SCHD yields 3.44% with 13.05% growth. The better choice depends on your goal: CLDIX offers higher current income.

What is the dividend yield difference between CLDIX and SCHD?

CLDIX has a forward dividend yield of 4.51% ($0.71/share annually). SCHD yields 3.44% ($1.06/share annually). The yield gap is 1.07 percentage points.

Home › Compare › CLDIX vs SCHD

CLDIX vs SCHD: Dividend Comparison 2026

CLDIX yields 4.51% · SCHD yields 3.44%● Live data

vsPost on X →

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

🏆 SCHD wins by $2.1K in total portfolio value

INVESTMENT

TIME HORIZON10 years

CLDIX

● Live price

4.51%

Share price

$15.76

Annual div

$0.71

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$26.9K

Annual income

$602.26

Full CLDIX calculator →

SCHD

Schwab U.S. Dividend Equity ETF

● Live price

3.44%

Share price

$30.68

Annual div

$1.06

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$29.0K

Annual income

$422.61

Full SCHD calculator →

Portfolio growth — CLDIX vs SCHD

📍 SCHD pulled ahead of the other in Year 1

Annual dividend income

🛡️

Recession Test — Did They Cut Dividends?

How each stock treated shareholders during the 3 biggest crises of the last 20 years

Crisis Period	CLDIX	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%.

📅

Dividend Calendar Overlap

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

Jan

—

Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

CLDIX pays

SCHD pays

Both pay

Neither

💰

Tax Bracket Optimizer

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

CLDIX

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

$383.42/yr

After 10yr DRIP, annual income (after tax)

$511.92/yr

SCHD

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

$292.49/yr

After 10yr DRIP, annual income (after tax)

$359.22/yr

At 15% tax rate, CLDIX beats the other by $152.70/year in after-tax income after 10 years on $10,000

⚖️

Lazy Portfolio Split Optimizer

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

CLDIX: 50%SCHD: 50%

100% SCHD50/50100% CLDIX

Portfolio after 10yr

$27.9K

Annual income

$512.43/yr

Blended yield

1.84%

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

CLDIX buys

SCHD buys

No recent congressional trades found for CLDIX or SCHD in the last 90 days.

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

MetricCLDIXSCHD

Forward yield	4.51% ✓	3.44%
Annual dividend / share	$0.71	$1.06 ✓
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	0%	0%
Portfolio after 10y	$26.9K	$29.0K ✓
Annual income after 10y	$602.26 ✓	$422.61
Total dividends collected	$5.3K ✓	$3.9K
Payment frequency	quarterly	quarterly
Sector	Stock	ETF

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

Year	CLDIX Portfolio	CLDIX Income/yr	SCHD Portfolio	SCHD Income/yr	Gap
1← crossover	$11,151	$451.08	$11,224	$344.10	$73.00 → SCHD
2	$12,402	$470.09	$12,567	$354.98	$165.00 → SCHD
3	$13,758	$488.62	$14,038	$365.30	$280.00 → SCHD
4	$15,228	$506.61	$15,648	$375.06	$420.00 → SCHD
5	$16,818	$524.04	$17,410	$384.27	$592.00 → SCHD
6	$18,536	$540.90	$19,335	$392.95	$799.00 → SCHD
7	$20,391	$557.15	$21,437	$401.10	$1.0K → SCHD
8	$22,391	$572.80	$23,733	$408.75	$1.3K → SCHD
9	$24,546	$587.84	$26,237	$415.91	$1.7K → SCHD
10	$26,867	$602.26	$28,968	$422.61	$2.1K → SCHD

CLDIX vs SCHD: Complete Analysis 2026

CLDIX — Stock

The fund typically invests at least 80% of its net assets in investment grade, U.S. dollar-denominated debt securities, as assessed at the time of purchase. It may invest up to 5% of its net assets in below-investment grade, high-yield debt instruments (commonly known as "junk bonds"), including distressed instruments that are in default. The fund may also invest up to 25% of its net assets in U.S. dollar-denominated foreign debt securities and American Depositary Receipts ("ADRs").

Full CLDIX 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 →

📬

Get this CLDIX vs SCHD comparison by email

Save your analysis + weekly dividend insights. Free forever.

More comparisons

CLDIX vs JEPI CLDIX vs O CLDIX vs KO CLDIX vs MAIN CLDIX vs VYM CLDIX vs DGRO CLDIX vs VIG CLDIX vs HDV

⚠️ Educational purposes only. Not financial advice. Congressional trades sourced from SEC STOCK Act filings via FMP. Past performance does not guarantee future results.