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LAYS vs SCHD: Dividend Comparison 2026

LAYS yields 15.45% · SCHD yields 3.46%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 LAYS wins by $26.0K in total portfolio value
10 years
LAYS
LAYS
● Live price
15.45%
Share price
$37.92
Annual div
$5.86
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$55.0K
Annual income
$4,007.57
Full LAYS 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 — LAYS vs SCHD

📍 LAYS 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 PeriodLAYSSCHD
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, LAYS + SCHD cover 0 of 12 months — good coverage

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

Tax Bracket Optimizer

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

LAYS
Annual income on $10K today (after 15% tax)
$1,313.49/yr
After 10yr DRIP, annual income (after tax)
$3,406.43/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, LAYS beats the other by $3,044.38/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

LAYS: 50%SCHD: 50%
100% SCHD50/50100% LAYS
Portfolio after 10yr
$42.0K
Annual income
$2,216.75/yr
Blended yield
5.28%
🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

LAYS buys
0
SCHD buys
0
No recent congressional trades found for LAYS or SCHD in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricLAYSSCHD
Forward yield15.45% ✓3.46%
Annual dividend / share$5.86 ✓$1.06
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR0%0%
Portfolio after 10y$55.0K ✓$29.0K
Annual income after 10y$4,007.57 ✓$425.95
Total dividends collected$27.1K ✓$3.9K
Payment frequencyquarterlyquarterly
SectorStockETF

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

YearLAYS PortfolioLAYS Income/yrSCHD PortfolioSCHD Income/yrGap
1← crossover$12,245$1,545.29$11,226$346.36+$1.0K → LAYS
2$14,871$1,768.46$12,572$357.38+$2.3K → LAYS
3$17,919$2,007.15$14,046$367.84+$3.9K → LAYS
4$21,434$2,260.33$15,660$377.73+$5.8K → LAYS
5$25,461$2,526.80$17,425$387.07+$8.0K → LAYS
6$30,048$2,805.19$19,354$395.86+$10.7K → LAYS
7$35,246$3,094.04$21,461$404.13+$13.8K → LAYS
8$41,105$3,391.79$23,762$411.89+$17.3K → LAYS
9$47,679$3,696.84$26,272$419.15+$21.4K → LAYS
10$55,024$4,007.57$29,010$425.95+$26.0K → LAYS

LAYS vs SCHD: Complete Analysis 2026

LAYS — Stock

LAYS pairs two semiconductor leaders that drive AI, gaming, and high-performance computing, offering 200% exposure to NVIDIA and AMD, shaping digital transformation.

Full LAYS 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.