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ELRC vs SCHD: Dividend Comparison 2026

ELRC yields 12.90% · SCHD yields 3.44%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 ELRC wins by $17.8K in total portfolio value
10 years
ELRC
ELRC
● Live price
12.90%
Share price
$15.50
Annual div
$2.00
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$46.8K
Annual income
$2,879.44
Full ELRC 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 — ELRC vs SCHD

📍 ELRC 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 PeriodELRCSCHD
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, ELRC + SCHD cover 0 of 12 months — good coverage

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

Tax Bracket Optimizer

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

ELRC
Annual income on $10K today (after 15% tax)
$1,096.77/yr
After 10yr DRIP, annual income (after tax)
$2,447.52/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, ELRC beats the other by $2,088.31/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

ELRC: 50%SCHD: 50%
100% SCHD50/50100% ELRC
Portfolio after 10yr
$37.9K
Annual income
$1,651.02/yr
Blended yield
4.36%
🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

ELRC buys
0
SCHD buys
0
No recent congressional trades found for ELRC or SCHD in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricELRCSCHD
Forward yield12.90% ✓3.44%
Annual dividend / share$2.00 ✓$1.06
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR0%0%
Portfolio after 10y$46.8K ✓$29.0K
Annual income after 10y$2,879.44 ✓$422.61
Total dividends collected$20.6K ✓$3.9K
Payment frequencyquarterlyquarterly
SectorStockETF

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

YearELRC PortfolioELRC Income/yrSCHD PortfolioSCHD Income/yrGap
1← crossover$11,990$1,290.32$11,224$344.10+$766.00 → ELRC
2$14,276$1,445.92$12,567$354.98+$1.7K → ELRC
3$16,884$1,608.88$14,038$365.30+$2.8K → ELRC
4$19,844$1,778.34$15,648$375.06+$4.2K → ELRC
5$23,186$1,953.40$17,410$384.27+$5.8K → ELRC
6$26,943$2,133.11$19,335$392.95+$7.6K → ELRC
7$31,145$2,316.51$21,437$401.10+$9.7K → ELRC
8$35,828$2,502.66$23,733$408.75+$12.1K → ELRC
9$41,026$2,690.60$26,237$415.91+$14.8K → ELRC
10$46,778$2,879.44$28,968$422.61+$17.8K → ELRC

ELRC vs SCHD: Complete Analysis 2026

ELRC — Stock

ELRC is a dividend-paying stock. Use this calculator to estimate your future dividend income, DRIP compounding returns, and passive income potential from investing in ELRC shares.

Full ELRC 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.