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FLAT vs SCHD: Dividend Comparison 2026

FLAT yields 2.70% · SCHD yields 3.46%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 SCHD wins by $5.3K in total portfolio value
10 years
FLAT
FLAT
● Live price
2.70%
Share price
$73.94
Annual div
$2.00
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$23.7K
Annual income
$322.05
Full FLAT 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 — FLAT 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 PeriodFLATSCHD
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, FLAT + SCHD cover 0 of 12 monthsgood coverage

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

Tax Bracket Optimizer

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

FLAT
Annual income on $10K today (after 15% tax)
$229.92/yr
After 10yr DRIP, annual income (after tax)
$273.74/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, SCHD beats the other by $88.32/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

FLAT: 50%SCHD: 50%
100% SCHD50/50100% FLAT
Portfolio after 10yr
$26.4K
Annual income
$374.00/yr
Blended yield
1.42%
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Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

FLAT buys
0
SCHD buys
3
PoliticianChamberTickerTypeAmountDate
Virginia Foxx🏢 House$SCHD▼ Sell$50,001 - $100,0002023-03-08
Steve Cohen🏢 House$SCHD▲ Buy$50,001 - $100,0002022-07-29
Hakeem S. Jeffries🏢 House$SCHD▲ Buy$15,001 - $50,0002021-04-12
Mikie Sherrill🏢 House$SCHD▲ Buy$100,001 - $250,0002020-02-21
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricFLATSCHD
Forward yield2.70%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$23.7K$29.0K
Annual income after 10y$322.05$425.95
Total dividends collected$3.0K$3.9K
Payment frequencyquarterlyquarterly
SectorStockETF

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

YearFLAT PortfolioFLAT Income/yrSCHD PortfolioSCHD Income/yrGap
1← crossover$10,970$270.49$11,226$346.36$256.00SCHD
2$12,016$277.33$12,572$357.38$556.00SCHD
3$13,141$283.88$14,046$367.84$905.00SCHD
4$14,351$290.15$15,660$377.73$1.3KSCHD
5$15,651$296.13$17,425$387.07$1.8KSCHD
6$17,049$301.85$19,354$395.86$2.3KSCHD
7$18,550$307.29$21,461$404.13$2.9KSCHD
8$20,161$312.46$23,762$411.89$3.6KSCHD
9$21,889$317.38$26,272$419.15$4.4KSCHD
10$23,743$322.05$29,010$425.95$5.3KSCHD

FLAT vs SCHD: Complete Analysis 2026

FLATStock

The investment seeks to provide investors with inverse exposure to the Barclays US Treasury 2Y/10Y Yield Curve Index™. The Barclays US Treasury 2Y/10Y Yield Curve Index™ (the "index") employs a strategy that seeks to capture returns that are potentially available from a "steepening" or "flattening", as applicable, of the U.S. Treasury yield curve through a notional rolling investment in U.S. Treasury note futures contracts. The level of the index is designed to increase in response to a "steepening" of the yield curve and to decrease in response to a "flattening" of the yield curve.

Full FLAT 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.