HomeCompareCRDT vs SCHD

CRDT vs SCHD: Dividend Comparison 2026

CRDT yields 6.91% · SCHD yields 3.46%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 CRDT wins by $2.6K in total portfolio value
10 years
CRDT
CRDT
● Live price
6.91%
Share price
$22.44
Annual div
$1.55
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$31.6K
Annual income
$1,071.25
Full CRDT 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 — CRDT vs SCHD

📍 CRDT 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 PeriodCRDTSCHD
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, CRDT + SCHD cover 0 of 12 monthsgood coverage

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

Tax Bracket Optimizer

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

CRDT
Annual income on $10K today (after 15% tax)
$587.12/yr
After 10yr DRIP, annual income (after tax)
$910.56/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, CRDT beats the other by $548.51/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

CRDT: 50%SCHD: 50%
100% SCHD50/50100% CRDT
Portfolio after 10yr
$30.3K
Annual income
$748.59/yr
Blended yield
2.47%
🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

CRDT buys
0
SCHD buys
0
No recent congressional trades found for CRDT or SCHD in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricCRDTSCHD
Forward yield6.91%3.46%
Annual dividend / share$1.55$1.06
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR0%0%
Portfolio after 10y$31.6K$29.0K
Annual income after 10y$1,071.25$425.95
Total dividends collected$8.9K$3.9K
Payment frequencyquarterlyquarterly
SectorStockETF

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

YearCRDT PortfolioCRDT Income/yrSCHD PortfolioSCHD Income/yrGap
1← crossover$11,391$690.73$11,226$346.36+$165.00CRDT
2$12,923$735.32$12,572$357.38+$351.00CRDT
3$14,608$779.68$14,046$367.84+$562.00CRDT
4$16,454$823.64$15,660$377.73+$794.00CRDT
5$18,473$867.05$17,425$387.07+$1.0KCRDT
6$20,676$909.75$19,354$395.86+$1.3KCRDT
7$23,074$951.62$21,461$404.13+$1.6KCRDT
8$25,682$992.55$23,762$411.89+$1.9KCRDT
9$28,512$1,032.46$26,272$419.15+$2.2KCRDT
10$31,580$1,071.25$29,010$425.95+$2.6KCRDT

CRDT vs SCHD: Complete Analysis 2026

CRDTStock

The Simplify Opportunistic Income ETF (CRDT) seeks to provide current income, with long-term capital appreciation as a secondary objective. CRDT is an actively managed, opportunistic credit strategy focused on security selection within high-yield, investment grade, and distressed debt. By deploying a multi-step investment process that combines macroeconomic, quantitative, and fundamental research, the fund seeks to generate alpha that diversifies the traditional investment portfolio. The strategy is sub-advised by Asterozoa Capital, an alternatives manager focused on opportunistic investing across the capital structure while minimizing risks/correlations through portfolio construction and hedging.

Full CRDT Calculator →

SCHDETF

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.