Is GSPY or SCHD a better dividend investment in 2026?

GSPY currently yields 2.80% with a 5% 5-year dividend growth rate. SCHD yields 3.46% with 13.05% growth. The better choice depends on your goal: SCHD offers higher current income.

What is the dividend yield difference between GSPY and SCHD?

GSPY has a forward dividend yield of 2.80% ($0.96/share annually). SCHD yields 3.46% ($1.06/share annually). The yield gap is 0.66 percentage points.

Home › Compare › GSPY vs SCHD

GSPY vs SCHD: Dividend Comparison 2026

GSPY yields 2.80% · SCHD yields 3.46%● Live data

vsPost on X →

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

🏆 SCHD wins by $5.1K in total portfolio value

INVESTMENT

TIME HORIZON10 years

GSPY

● Live price

2.80%

Share price

$34.35

Annual div

$0.96

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$23.9K

Annual income

$335.82

Full GSPY 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 — GSPY 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 Period	GSPY	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, GSPY + SCHD cover 0 of 12 months — good coverage

Jan

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Feb

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Mar

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Apr

—

May

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Jun

—

Jul

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Aug

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Sep

—

Oct

—

Nov

—

Dec

—

GSPY pays

SCHD pays

Both pay

Neither

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Tax Bracket Optimizer

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

GSPY

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

$238.25/yr

After 10yr DRIP, annual income (after tax)

$285.45/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 $76.61/year in after-tax income after 10 years on $10,000

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Lazy Portfolio Split Optimizer

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

GSPY: 50%SCHD: 50%

100% SCHD50/50100% GSPY

Portfolio after 10yr

$26.5K

Annual income

$380.88/yr

Blended yield

1.44%

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Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

GSPY 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 →

MetricGSPYSCHD

Forward yield	2.80%	3.46% ✓
Annual dividend / share	$0.96	$1.06 ✓
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	0%	0%
Portfolio after 10y	$23.9K	$29.0K ✓
Annual income after 10y	$335.82	$425.95 ✓
Total dividends collected	$3.1K	$3.9K ✓
Payment frequency	quarterly	quarterly
Sector	Stock	ETF

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

Year	GSPY Portfolio	GSPY Income/yr	SCHD Portfolio	SCHD Income/yr	Gap
1← crossover	$10,980	$280.30	$11,226	$346.36	$246.00 → SCHD
2	$12,037	$287.64	$12,572	$357.38	$535.00 → SCHD
3	$13,174	$294.68	$14,046	$367.84	$872.00 → SCHD
4	$14,397	$301.42	$15,660	$377.73	$1.3K → SCHD
5	$15,713	$307.87	$17,425	$387.07	$1.7K → SCHD
6	$17,127	$314.02	$19,354	$395.86	$2.2K → SCHD
7	$18,646	$319.89	$21,461	$404.13	$2.8K → SCHD
8	$20,276	$325.47	$23,762	$411.89	$3.5K → SCHD
9	$22,027	$330.78	$26,272	$419.15	$4.2K → SCHD
10	$23,904	$335.82	$29,010	$425.95	$5.1K → SCHD

GSPY vs SCHD: Complete Analysis 2026

GSPY — Stock

The fund is an actively-managed ETF that seeks to achieve its investment objective by generally investing in securities of issuers included in the S&P 500 Index. It is not a passive index fund, but instead utilizes an "enhanced" strategy implemented by the fund's investment sub-adviser to invest in the securities in the index and weight those securities based on the Sub-Adviser's assessment of value and each security's weight in the ndex.

Full GSPY 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.