Is QYLD or SCHD a better dividend investment in 2026?

QYLD currently yields 11.43% with a -2.1% 5-year dividend growth rate. SCHD yields 3.77% with 13.05% growth. The better choice depends on your goal: QYLD offers higher current income, while SCHD is better for long-term compounding. Use the DRIP calculator above to model your specific scenario.

What is the dividend yield difference between QYLD and SCHD?

QYLD has a forward dividend yield of 11.43% (1.92/share annually). SCHD yields 3.77% (1.05/share annually). The yield gap is 7.66 percentage points.

How much would $10,000 in QYLD vs SCHD pay in dividends per year?

With $10,000 invested: QYLD would pay approximately $1143/year in dividends. SCHD would pay approximately $377/year. With DRIP reinvestment over 10 years, these amounts grow substantially due to compounding.

QYLD vs SCHD Dividend Comparison 2026

QYLD dividend yield: 11.43%. SCHD dividend yield: 3.77%. QYLD sells covered calls on the full Nasdaq 100 index, generating very high monthly income (10%+ yield). The strategy caps upside participation in exchange for income. Best suited for investors who prioritize maximum current income over capital appreciation. NAV erosion over time is a known trade-off. SCHD tracks the Dow Jones U.S. Dividend 100 Index, focusing on quality companies with consistent dividend histories. With $60B+ AUM, it's the most popular dividend ETF in the US — combining income with quality. Only companies with 10+ consecutive years of dividends qualify. The ETF rebalances annually and has delivered market-beating total returns since inception in 2011.

Home › Compare › QYLD vs SCHD

QYLD vs SCHD: Dividend Comparison 2026

QYLD yields 11.43% · SCHD yields 3.77% · See full DRIP projection below

vsEnter any two US tickers

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

🏆 SCHD wins by $17.2K in total portfolio value

INVESTMENT

TIME HORIZON10 years

QYLD

Global X Nasdaq 100 Covered Call ETF

11.43%

Share price

$16.80

Annual div

$1.92

5Y div CAGR

-2.1%

Payout ratio

95%

After 10 yrs · $10,000 · DRIP

Portfolio value

$19.5K

Annual income

$3,553.75

Full QYLD calculator →

SCHD

Schwab U.S. Dividend Equity ETF

3.77%

Share price

$27.84

Annual div

$1.05

5Y div CAGR

13.05%

Payout ratio

38%

After 10 yrs · $10,000 · DRIP

Portfolio value

$36.7K

Annual income

$1,925.82

Full SCHD calculator →

Portfolio growth — QYLD vs SCHD

Annual dividend income

MetricQYLDSCHD

Forward yield	11.43% ✓	3.77%
Annual dividend / share	$1.92 ✓	$1.05
Payout ratio	95%	38% ✓
1-year div growth	-5.2%	5.18% ✓
5-year div CAGR	-2.1%	13.05% ✓
Portfolio after 10y	$19.5K	$36.7K ✓
Annual income after 10y	$3,553.75 ✓	$1,925.82
Total dividends collected	$20.2K ✓	$10.1K
Payment frequency	monthly	quarterly
Sector	ETF	ETF

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

Year	QYLD Portfolio	QYLD Income/yr	SCHD Portfolio	SCHD Income/yr	Gap
1	$10,279	$1,118.86	$11,306	$426.37	$1.0K → SCHD
2	$10,645	$1,229.16	$12,802	$500.91	$2.2K → SCHD
3	$11,111	$1,360.44	$14,518	$589.33	$3.4K → SCHD
4	$11,695	$1,517.70	$16,490	$694.43	$4.8K → SCHD
5	$12,420	$1,707.39	$18,761	$819.56	$6.3K → SCHD
6	$13,315	$1,937.94	$21,381	$968.84	$8.1K → SCHD
7	$14,417	$2,220.42	$24,409	$1,147.26	$10.0K → SCHD
8	$15,775	$2,569.54	$27,918	$1,360.94	$12.1K → SCHD
9	$17,455	$3,005.06	$31,993	$1,617.39	$14.5K → SCHD
10	$19,543	$3,553.75	$36,734	$1,925.82	$17.2K → SCHD

QYLD vs SCHD: Complete Analysis 2026

QYLD — ETF

QYLD sells covered calls on the full Nasdaq 100 index, generating very high monthly income (10%+ yield). The strategy caps upside participation in exchange for income. Best suited for investors who prioritize maximum current income over capital appreciation. NAV erosion over time is a known trade-off.

Full QYLD Calculator →

SCHD — ETF

SCHD tracks the Dow Jones U.S. Dividend 100 Index, focusing on quality companies with consistent dividend histories. With $60B+ AUM, it's the most popular dividend ETF in the US — combining income with quality. Only companies with 10+ consecutive years of dividends qualify. The ETF rebalances annually and has delivered market-beating total returns since inception in 2011.

Full SCHD Calculator →

Frequently Asked Questions

Is QYLD or SCHD better for dividend income in 2026?

QYLD currently offers a 11.43% yield (1.92/share/year) while SCHD offers 3.77% (1.05/share/year). QYLD provides higher current income. However, SCHD has grown its dividend faster (13.05% 5Y CAGR), which may lead to better long-term income through compounding.

How much would $10,000 in QYLD vs SCHD earn per year?

With $10,000 invested today: QYLD pays approximately $1143/year. SCHD pays approximately $377/year. With DRIP reinvestment over 10 years, these grow to $3,554/year (QYLD) and $1,926/year (SCHD).

Does QYLD or SCHD pay monthly dividends?

QYLD pays monthly dividends. SCHD pays quarterly dividends. QYLD pays monthly, which is preferred by investors who need regular cash flow.

📬

Get this QYLD vs SCHD comparison by email

Save your analysis + get weekly dividend insights. Free forever.

More comparisons

QYLD vs XYLD QYLD vs JEPI QYLD vs JEPQ QYLD vs RYLD QYLD vs QYLG QYLD vs VYM QYLD vs DGRO QYLD vs VIG SCHD vs VYM SCHD vs JEPI SCHD vs DGRO SCHD vs VIG

⚠️ Educational purposes only. Not financial advice. All projections use historical data; actual results will vary.