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COIA vs SCHD: Dividend Comparison 2026

COIA yields 3.77% · SCHD yields 3.44%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 SCHD wins by $3.4K in total portfolio value
10 years
COIA
COIA
● Live price
3.77%
Share price
$5.43
Annual div
$0.20
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$25.5K
Annual income
$480.77
Full COIA calculator →
SCHD
Schwab U.S. Dividend Equity ETF
● Live price
3.44%
Share price
$30.68
Annual div
$1.06
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$29.0K
Annual income
$422.61
Full SCHD calculator →

Portfolio growth — COIA 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 PeriodCOIASCHD
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, COIA + SCHD cover 0 of 12 months — good coverage

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

Tax Bracket Optimizer

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

COIA
Annual income on $10K today (after 15% tax)
$320.68/yr
After 10yr DRIP, annual income (after tax)
$408.65/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, COIA beats the other by $49.44/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

COIA: 50%SCHD: 50%
100% SCHD50/50100% COIA
Portfolio after 10yr
$27.3K
Annual income
$451.68/yr
Blended yield
1.66%
🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

COIA buys
0
SCHD buys
0
No recent congressional trades found for COIA or SCHD in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricCOIASCHD
Forward yield3.77% ✓3.44%
Annual dividend / share$0.20$1.06 ✓
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR0%0%
Portfolio after 10y$25.5K$29.0K ✓
Annual income after 10y$480.77 ✓$422.61
Total dividends collected$4.3K ✓$3.9K
Payment frequencyquarterlyquarterly
SectorStockETF

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

YearCOIA PortfolioCOIA Income/yrSCHD PortfolioSCHD Income/yrGap
1← crossover$11,077$377.27$11,224$344.10$147.00 → SCHD
2$12,243$390.58$12,567$354.98$324.00 → SCHD
3$13,504$403.45$14,038$365.30$534.00 → SCHD
4$14,865$415.87$15,648$375.06$783.00 → SCHD
5$16,333$427.84$17,410$384.27$1.1K → SCHD
6$17,916$439.35$19,335$392.95$1.4K → SCHD
7$19,620$450.40$21,437$401.10$1.8K → SCHD
8$21,455$460.98$23,733$408.75$2.3K → SCHD
9$23,428$471.10$26,237$415.91$2.8K → SCHD
10$25,549$480.77$28,968$422.61$3.4K → SCHD

COIA vs SCHD: Complete Analysis 2026

COIA — Stock

ProShares Ultra COIN seeks daily investment results, before fees and expenses, that correspond to two times (2x) the daily performance of Class A common shares of Coinbase Global, Inc. (NASDAQ: COIN).

Full COIA 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.