Is PIT or SCHD a better dividend investment in 2026?

PIT currently yields 6.46% with a 5% 5-year dividend growth rate. SCHD yields 3.46% with 13.05% growth. The better choice depends on your goal: PIT offers higher current income.

What is the dividend yield difference between PIT and SCHD?

PIT has a forward dividend yield of 6.46% ($4.71/share annually). SCHD yields 3.46% ($1.06/share annually). The yield gap is 3.00 percentage points.

Home › Compare › PIT vs SCHD

PIT vs SCHD: Dividend Comparison 2026

PIT yields 6.46% · SCHD yields 3.46%● Live data

vsPost on X →

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

🏆 PIT wins by $1.6K in total portfolio value

INVESTMENT

TIME HORIZON10 years

PIT

● Live price

6.46%

Share price

$72.92

Annual div

$4.71

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$30.6K

Annual income

$973.77

Full PIT 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 — PIT vs SCHD

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

Jan

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Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

PIT 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.

PIT

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

$548.83/yr

After 10yr DRIP, annual income (after tax)

$827.70/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, PIT beats the other by $465.65/year in after-tax income after 10 years on $10,000

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Lazy Portfolio Split Optimizer

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

PIT: 50%SCHD: 50%

100% SCHD50/50100% PIT

Portfolio after 10yr

$29.8K

Annual income

$699.85/yr

Blended yield

2.35%

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

PIT 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 →

MetricPITSCHD

Forward yield	6.46% ✓	3.46%
Annual dividend / share	$4.71 ✓	$1.06
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	0%	0%
Portfolio after 10y	$30.6K ✓	$29.0K
Annual income after 10y	$973.77 ✓	$425.95
Total dividends collected	$8.1K ✓	$3.9K
Payment frequency	quarterly	quarterly
Sector	Stock	ETF

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

Year	PIT Portfolio	PIT Income/yr	SCHD Portfolio	SCHD Income/yr	Gap
1← crossover	$11,346	$645.68	$11,226	$346.36	+$120.00 → PIT
2	$12,825	$684.64	$12,572	$357.38	+$253.00 → PIT
3	$14,445	$723.25	$14,046	$367.84	+$399.00 → PIT
4	$16,218	$761.37	$15,660	$377.73	+$558.00 → PIT
5	$18,152	$798.88	$17,425	$387.07	+$727.00 → PIT
6	$20,259	$835.66	$19,354	$395.86	+$905.00 → PIT
7	$22,548	$871.61	$21,461	$404.13	+$1.1K → PIT
8	$25,033	$906.66	$23,762	$411.89	+$1.3K → PIT
9	$27,726	$940.73	$26,272	$419.15	+$1.5K → PIT
10	$30,641	$973.77	$29,010	$425.95	+$1.6K → PIT

PIT vs SCHD: Complete Analysis 2026

PIT — Stock

VanEck Commodity Strategy ETF (the “Fund”) seeks to provide long-term capital appreciation. The Fund invests primarily in exchange-traded commodity futures contracts across the energy, precious metals, industrial metals, agriculture and livestock sectors and seeks to maximize risk-adjusted returns.

Full PIT 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.