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HFSI vs SCHD: Dividend Comparison 2026

HFSI yields 5.66% · SCHD yields 3.44%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 HFSI wins by $75.00 in total portfolio value
10 years
HFSI
HFSI
● Live price
5.66%
Share price
$34.72
Annual div
$1.97
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$29.0K
Annual income
$812.33
Full HFSI 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 — HFSI vs SCHD

📍 HFSI 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 PeriodHFSISCHD
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, HFSI + SCHD cover 0 of 12 months — good coverage

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

Tax Bracket Optimizer

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

HFSI
Annual income on $10K today (after 15% tax)
$481.14/yr
After 10yr DRIP, annual income (after tax)
$690.48/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, HFSI beats the other by $331.26/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

HFSI: 50%SCHD: 50%
100% SCHD50/50100% HFSI
Portfolio after 10yr
$29.0K
Annual income
$617.46/yr
Blended yield
2.13%
🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

HFSI buys
0
SCHD buys
0
No recent congressional trades found for HFSI or SCHD in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricHFSISCHD
Forward yield5.66% ✓3.44%
Annual dividend / share$1.97 ✓$1.06
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR0%0%
Portfolio after 10y$29.0K$29.0K
Annual income after 10y$812.33 ✓$422.61
Total dividends collected$6.9K ✓$3.9K
Payment frequencyquarterlyquarterly
SectorStockETF

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

YearHFSI PortfolioHFSI Income/yrSCHD PortfolioSCHD Income/yrGap
1← crossover$11,266$566.05$11,224$344.10+$42.00 → HFSI
2$12,651$595.99$12,567$354.98+$84.00 → HFSI
3$14,162$625.46$14,038$365.30+$124.00 → HFSI
4$15,807$654.36$15,648$375.06+$159.00 → HFSI
5$17,596$682.62$17,410$384.27+$186.00 → HFSI
6$19,538$710.17$19,335$392.95+$203.00 → HFSI
7$21,643$736.95$21,437$401.10+$206.00 → HFSI
8$23,921$762.93$23,733$408.75+$188.00 → HFSI
9$26,384$788.07$26,237$415.91+$147.00 → HFSI
10$29,043$812.33$28,968$422.61+$75.00 → HFSI

HFSI vs SCHD: Complete Analysis 2026

HFSI — Stock

Seeks to provide current income and long-term total return.

Full HFSI 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.