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FLAO vs SCHD: Dividend Comparison 2026

FLAO yields 7.37% · SCHD yields 3.46%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 FLAO wins by $3.5K in total portfolio value
10 years
FLAO
FLAO
● Live price
7.37%
Share price
$27.16
Annual div
$2.00
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$32.6K
Annual income
$1,175.06
Full FLAO 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 — FLAO vs SCHD

📍 FLAO 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 PeriodFLAOSCHD
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, FLAO + SCHD cover 0 of 12 months — good coverage

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

Tax Bracket Optimizer

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

FLAO
Annual income on $10K today (after 15% tax)
$626.04/yr
After 10yr DRIP, annual income (after tax)
$998.80/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, FLAO beats the other by $636.74/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

FLAO: 50%SCHD: 50%
100% SCHD50/50100% FLAO
Portfolio after 10yr
$30.8K
Annual income
$800.50/yr
Blended yield
2.60%
🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

FLAO buys
0
SCHD buys
0
No recent congressional trades found for FLAO or SCHD in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricFLAOSCHD
Forward yield7.37% ✓3.46%
Annual dividend / share$2.00 ✓$1.06
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR0%0%
Portfolio after 10y$32.6K ✓$29.0K
Annual income after 10y$1,175.06 ✓$425.95
Total dividends collected$9.6K ✓$3.9K
Payment frequencyquarterlyquarterly
SectorStockETF

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

YearFLAO PortfolioFLAO Income/yrSCHD PortfolioSCHD Income/yrGap
1← crossover$11,437$736.51$11,226$346.36+$211.00 → FLAO
2$13,024$787.21$12,572$357.38+$452.00 → FLAO
3$14,774$837.85$14,046$367.84+$728.00 → FLAO
4$16,696$888.22$15,660$377.73+$1.0K → FLAO
5$18,803$938.13$17,425$387.07+$1.4K → FLAO
6$21,107$987.39$19,354$395.86+$1.8K → FLAO
7$23,620$1,035.85$21,461$404.13+$2.2K → FLAO
8$26,357$1,083.36$23,762$411.89+$2.6K → FLAO
9$29,332$1,129.80$26,272$419.15+$3.1K → FLAO
10$32,560$1,175.06$29,010$425.95+$3.5K → FLAO

FLAO vs SCHD: Complete Analysis 2026

FLAO — Stock

The fund seeks to match, at the end of the 6-month outcome period, the share price returns of the SPDR S&P 500 ETF Trust, up to a specified upside cap, while providing a floor with protection to a maximum loss of 5%. The stated cap and floor are before fund fees and expenses.

Full FLAO 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.