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CSPF vs SCHD: Dividend Comparison 2026

CSPF yields 5.31% · SCHD yields 3.46%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 SCHD wins by $642.00 in total portfolio value· pulled ahead in Year 3
10 years
CSPF
CSPF
● Live price
5.31%
Share price
$25.45
Annual div
$1.35
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$28.4K
Annual income
$745.94
Full CSPF 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 — CSPF vs SCHD

📍 SCHD pulled ahead of the other in Year 3

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 PeriodCSPFSCHD
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, CSPF + SCHD cover 0 of 12 months — good coverage

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

Tax Bracket Optimizer

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

CSPF
Annual income on $10K today (after 15% tax)
$451.55/yr
After 10yr DRIP, annual income (after tax)
$634.05/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, CSPF beats the other by $271.99/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

CSPF: 50%SCHD: 50%
100% SCHD50/50100% CSPF
Portfolio after 10yr
$28.7K
Annual income
$585.94/yr
Blended yield
2.04%
🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

CSPF buys
0
SCHD buys
0
No recent congressional trades found for CSPF or SCHD in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricCSPFSCHD
Forward yield5.31% ✓3.46%
Annual dividend / share$1.35 ✓$1.06
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR0%0%
Portfolio after 10y$28.4K$29.0K ✓
Annual income after 10y$745.94 ✓$425.95
Total dividends collected$6.4K ✓$3.9K
Payment frequencyquarterlyquarterly
SectorStockETF

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

YearCSPF PortfolioCSPF Income/yrSCHD PortfolioSCHD Income/yrGap
1$11,231$531.24$11,226$346.36+$5.00 → CSPF
2$12,575$557.61$12,572$357.38+$3.00 → CSPF
3← crossover$14,039$583.49$14,046$367.84$7.00 → SCHD
4$15,630$608.79$15,660$377.73$30.00 → SCHD
5$17,358$633.46$17,425$387.07$67.00 → SCHD
6$19,230$657.46$19,354$395.86$124.00 → SCHD
7$21,257$680.73$21,461$404.13$204.00 → SCHD
8$23,448$703.25$23,762$411.89$314.00 → SCHD
9$25,815$724.99$26,272$419.15$457.00 → SCHD
10$28,368$745.94$29,010$425.95$642.00 → SCHD

CSPF vs SCHD: Complete Analysis 2026

CSPF — Stock

Allocating to this portfolio offers the potential for high tax-efficient income and diversification through active management of a portfolio with a focus on investment-grade, institutional preferred securities.

Full CSPF 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.