Is LTFIX or SCHD a better dividend investment in 2026?

LTFIX currently yields 9.21% with a 5% 5-year dividend growth rate. SCHD yields 3.46% with 13.05% growth. The better choice depends on your goal: LTFIX offers higher current income.

What is the dividend yield difference between LTFIX and SCHD?

LTFIX has a forward dividend yield of 9.21% ($1.53/share annually). SCHD yields 3.46% ($1.06/share annually). The yield gap is 5.75 percentage points.

Home › Compare › LTFIX vs SCHD

LTFIX vs SCHD: Dividend Comparison 2026

LTFIX yields 9.21% · SCHD yields 3.46%● Live data

vsPost on X →

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

🏆 LTFIX wins by $7.8K in total portfolio value

INVESTMENT

TIME HORIZON10 years

LTFIX

● Live price

9.21%

Share price

$16.57

Annual div

$1.53

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$36.8K

Annual income

$1,644.54

Full LTFIX 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 — LTFIX vs SCHD

📍 LTFIX 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	LTFIX	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, LTFIX + 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

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Oct

—

Nov

—

Dec

—

LTFIX 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.

LTFIX

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

$782.54/yr

After 10yr DRIP, annual income (after tax)

$1,397.86/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, LTFIX beats the other by $1,035.80/year in after-tax income after 10 years on $10,000

⚖️

Lazy Portfolio Split Optimizer

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

LTFIX: 50%SCHD: 50%

100% SCHD50/50100% LTFIX

Portfolio after 10yr

$32.9K

Annual income

$1,035.24/yr

Blended yield

3.15%

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

LTFIX 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 →

MetricLTFIXSCHD

Forward yield	9.21% ✓	3.46%
Annual dividend / share	$1.53 ✓	$1.06
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	0%	0%
Portfolio after 10y	$36.8K ✓	$29.0K
Annual income after 10y	$1,644.54 ✓	$425.95
Total dividends collected	$12.8K ✓	$3.9K
Payment frequency	quarterly	quarterly
Sector	Stock	ETF

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

Year	LTFIX Portfolio	LTFIX Income/yr	SCHD Portfolio	SCHD Income/yr	Gap
1← crossover	$11,621	$920.64	$11,226	$346.36	+$395.00 → LTFIX
2	$13,434	$999.85	$12,572	$357.38	+$862.00 → LTFIX
3	$15,455	$1,080.25	$14,046	$367.84	+$1.4K → LTFIX
4	$17,698	$1,161.44	$15,660	$377.73	+$2.0K → LTFIX
5	$20,180	$1,243.01	$17,425	$387.07	+$2.8K → LTFIX
6	$22,917	$1,324.60	$19,354	$395.86	+$3.6K → LTFIX
7	$25,927	$1,405.86	$21,461	$404.13	+$4.5K → LTFIX
8	$29,228	$1,486.46	$23,762	$411.89	+$5.5K → LTFIX
9	$32,840	$1,566.11	$26,272	$419.15	+$6.6K → LTFIX
10	$36,784	$1,644.54	$29,010	$425.95	+$7.8K → LTFIX

LTFIX vs SCHD: Complete Analysis 2026

LTFIX — Stock

The fund operates as a "target date fund" that invests according to an asset allocation strategy designed for investors having a retirement investment goal close to the year in 2055. It is a fund of funds and invests in underlying funds of Principal Funds, Inc. ("PFI"). Its underlying funds consist of domestic and foreign equity funds, fixed-income funds, real asset funds, and other funds that aim to offer diversification beyond traditional equity and fixed-income securities.

Full LTFIX 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.