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LCTD vs SCHD: Dividend Comparison 2026

LCTD yields 3.58% · SCHD yields 3.44%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 SCHD wins by $3.8K in total portfolio value
10 years
LCTD
LCTD
● Live price
3.58%
Share price
$55.17
Annual div
$1.97
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$25.2K
Annual income
$450.23
Full LCTD 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 — LCTD 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 PeriodLCTDSCHD
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, LCTD + SCHD cover 0 of 12 months — good coverage

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

Tax Bracket Optimizer

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

LCTD
Annual income on $10K today (after 15% tax)
$304.06/yr
After 10yr DRIP, annual income (after tax)
$382.70/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, LCTD beats the other by $23.48/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

LCTD: 50%SCHD: 50%
100% SCHD50/50100% LCTD
Portfolio after 10yr
$27.1K
Annual income
$436.42/yr
Blended yield
1.61%
🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

LCTD buys
0
SCHD buys
0
No recent congressional trades found for LCTD or SCHD in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricLCTDSCHD
Forward yield3.58% ✓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$25.2K$29.0K ✓
Annual income after 10y$450.23 ✓$422.61
Total dividends collected$4.1K ✓$3.9K
Payment frequencyquarterlyquarterly
SectorStockETF

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

YearLCTD PortfolioLCTD Income/yrSCHD PortfolioSCHD Income/yrGap
1← crossover$11,058$357.72$11,224$344.10$166.00 → SCHD
2$12,201$369.68$12,567$354.98$366.00 → SCHD
3$13,437$381.23$14,038$365.30$601.00 → SCHD
4$14,770$392.36$15,648$375.06$878.00 → SCHD
5$16,207$403.07$17,410$384.27$1.2K → SCHD
6$17,754$413.35$19,335$392.95$1.6K → SCHD
7$19,421$423.21$21,437$401.10$2.0K → SCHD
8$21,213$432.63$23,733$408.75$2.5K → SCHD
9$23,139$441.64$26,237$415.91$3.1K → SCHD
10$25,209$450.23$28,968$422.61$3.8K → SCHD

LCTD vs SCHD: Complete Analysis 2026

LCTD — Stock

The iShares World ex U.S. Carbon Transition Readiness Aware Active ETF seeks long-term capital appreciation by investing in large-and mid-capitalization World ex U.S. equity securities that may be better positioned to benefit from the transition to a low-carbon economy.

Full LCTD 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.