Is FLRT or SCHD a better dividend investment in 2026?

FLRT currently yields 6.94% with a 5% 5-year dividend growth rate. SCHD yields 3.46% with 13.05% growth. The better choice depends on your goal: FLRT offers higher current income.

What is the dividend yield difference between FLRT and SCHD?

FLRT has a forward dividend yield of 6.94% ($3.21/share annually). SCHD yields 3.46% ($1.06/share annually). The yield gap is 3.48 percentage points.

Home › Compare › FLRT vs SCHD

FLRT vs SCHD: Dividend Comparison 2026

FLRT yields 6.94% · SCHD yields 3.46%● Live data

vsPost on X →

After 10 years · $10,000 invested · DRIP enabled

🏆 FLRT wins by $2.6K in total portfolio value

INVESTMENT

TIME HORIZON10 years

FLRT

● Live price

6.94%

Share price

$46.21

Annual div

$3.21

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$31.6K

Annual income

$1,078.21

Full FLRT calculator →

SCHD

Schwab U.S. Dividend Equity ETF

● Live price

3.46%

Share price

$30.48

Annual div

$1.06

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$29.0K

Annual income

$425.95

Full SCHD calculator →

Portfolio growth — FLRT vs SCHD

📍 FLRT 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 Period	FLRT	SCHD
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, FLRT + SCHD cover 0 of 12 months — good coverage

Jan

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Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

FLRT pays

SCHD pays

Both pay

Neither

💰

Tax Bracket Optimizer

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

FLRT

Annual income on $10K today (after 15% tax)

$589.79/yr

After 10yr DRIP, annual income (after tax)

$916.48/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, FLRT beats the other by $554.42/year in after-tax income after 10 years on $10,000

⚖️

Lazy Portfolio Split Optimizer

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

FLRT: 50%SCHD: 50%

100% SCHD50/50100% FLRT

Portfolio after 10yr

$30.3K

Annual income

$752.07/yr

Blended yield

2.48%

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

FLRT buys

SCHD buys

Politician	Chamber	Ticker	Type	Amount	Date
Virginia Foxx	🏢 House	$SCHD	▼ Sell	$50,001 - $100,000	2023-03-08
Steve Cohen	🏢 House	$SCHD	▲ Buy	$50,001 - $100,000	2022-07-29
Hakeem S. Jeffries	🏢 House	$SCHD	▲ Buy	$15,001 - $50,000	2021-04-12
Mikie Sherrill	🏢 House	$SCHD	▲ Buy	$100,001 - $250,000	2020-02-21

STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →

MetricFLRTSCHD

Forward yield	6.94% ✓	3.46%
Annual dividend / share	$3.21 ✓	$1.06
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	0%	0%
Portfolio after 10y	$31.6K ✓	$29.0K
Annual income after 10y	$1,078.21 ✓	$425.95
Total dividends collected	$8.9K ✓	$3.9K
Payment frequency	quarterly	quarterly
Sector	Stock	ETF

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

Year	FLRT Portfolio	FLRT Income/yr	SCHD Portfolio	SCHD Income/yr	Gap
1← crossover	$11,394	$693.87	$11,226	$346.36	+$168.00 → FLRT
2	$12,930	$738.87	$12,572	$357.38	+$358.00 → FLRT
3	$14,619	$783.64	$14,046	$367.84	+$573.00 → FLRT
4	$16,470	$828.03	$15,660	$377.73	+$810.00 → FLRT
5	$18,495	$871.86	$17,425	$387.07	+$1.1K → FLRT
6	$20,705	$914.99	$19,354	$395.86	+$1.4K → FLRT
7	$23,112	$957.30	$21,461	$404.13	+$1.7K → FLRT
8	$25,728	$998.67	$23,762	$411.89	+$2.0K → FLRT
9	$28,568	$1,039.00	$26,272	$419.15	+$2.3K → FLRT
10	$31,646	$1,078.21	$29,010	$425.95	+$2.6K → FLRT

FLRT vs SCHD: Complete Analysis 2026

FLRT — Stock

An exchange traded fund (ETF) that seeks to provide a high level of current income by investing primarily in floating-rate loans of non-investment-grade companies, which can serve as both an income driver and a hedge against rising interest rates.

Full FLRT 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.