Is LOCK or SCHD a better dividend investment in 2026?

LOCK currently yields 8.34% with a 5% 5-year dividend growth rate. SCHD yields 3.46% with 13.05% growth. The better choice depends on your goal: LOCK offers higher current income.

What is the dividend yield difference between LOCK and SCHD?

LOCK has a forward dividend yield of 8.34% ($2.00/share annually). SCHD yields 3.46% ($1.06/share annually). The yield gap is 4.88 percentage points.

Home › Compare › LOCK vs SCHD

LOCK vs SCHD: Dividend Comparison 2026

LOCK yields 8.34% · SCHD yields 3.46%● Live data

vsPost on X →

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

🏆 LOCK wins by $5.7K in total portfolio value

INVESTMENT

TIME HORIZON10 years

LOCK

● Live price

8.34%

Share price

$23.99

Annual div

$2.00

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$34.7K

Annual income

$1,412.07

Full LOCK 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 — LOCK vs SCHD

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

Jan

—

Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

LOCK pays

SCHD pays

Both pay

Neither

💰

Tax Bracket Optimizer

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

LOCK

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

$708.63/yr

After 10yr DRIP, annual income (after tax)

$1,200.26/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, LOCK beats the other by $838.20/year in after-tax income after 10 years on $10,000

⚖️

Lazy Portfolio Split Optimizer

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

LOCK: 50%SCHD: 50%

100% SCHD50/50100% LOCK

Portfolio after 10yr

$31.9K

Annual income

$919.01/yr

Blended yield

2.88%

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

LOCK 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
Thom Tillis	🏛 Senate	$LOCK	▼ Sell	$1,001 - $15,000	2015-02-13

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

MetricLOCKSCHD

Forward yield	8.34% ✓	3.46%
Annual dividend / share	$2.00 ✓	$1.06
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	0%	0%
Portfolio after 10y	$34.7K ✓	$29.0K
Annual income after 10y	$1,412.07 ✓	$425.95
Total dividends collected	$11.3K ✓	$3.9K
Payment frequency	quarterly	quarterly
Sector	Stock	ETF

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

Year	LOCK Portfolio	LOCK Income/yr	SCHD Portfolio	SCHD Income/yr	Gap
1← crossover	$11,534	$833.68	$11,226	$346.36	+$308.00 → LOCK
2	$13,240	$898.64	$12,572	$357.38	+$668.00 → LOCK
3	$15,131	$964.07	$14,046	$367.84	+$1.1K → LOCK
4	$17,219	$1,029.68	$15,660	$377.73	+$1.6K → LOCK
5	$19,520	$1,095.17	$17,425	$387.07	+$2.1K → LOCK
6	$22,047	$1,160.27	$19,354	$395.86	+$2.7K → LOCK
7	$24,814	$1,224.72	$21,461	$404.13	+$3.4K → LOCK
8	$27,840	$1,288.31	$23,762	$411.89	+$4.1K → LOCK
9	$31,139	$1,350.82	$26,272	$419.15	+$4.9K → LOCK
10	$34,731	$1,412.07	$29,010	$425.95	+$5.7K → LOCK

LOCK vs SCHD: Complete Analysis 2026

LOCK — Stock

LOCK is a dividend-paying stock. Use this calculator to estimate your future dividend income, DRIP compounding returns, and passive income potential from investing in LOCK shares.

Full LOCK 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.