Is REFA or SCHD a better dividend investment in 2026?

REFA currently yields 0.03% with a 5% 5-year dividend growth rate. SCHD yields 3.46% with 13.05% growth. The better choice depends on your goal: SCHD offers higher current income.

What is the dividend yield difference between REFA and SCHD?

REFA has a forward dividend yield of 0.03% ($0.01/share annually). SCHD yields 3.46% ($1.06/share annually). The yield gap is 3.43 percentage points.

Home › Compare › REFA vs SCHD

REFA vs SCHD: Dividend Comparison 2026

REFA yields 0.03% · SCHD yields 3.46%● Live data

vsPost on X →

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

🏆 SCHD wins by $9.3K in total portfolio value

INVESTMENT

TIME HORIZON10 years

REFA

● Live price

0.03%

Share price

$20.50

Annual div

$0.01

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$19.7K

Annual income

$3.33

Full REFA 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 — REFA 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 Period	REFA	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, REFA + SCHD cover 0 of 12 months — good coverage

Jan

—

Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

REFA 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.

REFA

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

$2.83/yr

After 10yr DRIP, annual income (after tax)

$2.83/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, SCHD beats the other by $359.23/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 REFA + SCHD for your $10,000?

REFA: 50%SCHD: 50%

100% SCHD50/50100% REFA

Portfolio after 10yr

$24.4K

Annual income

$214.64/yr

Blended yield

0.88%

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

REFA 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 →

MetricREFASCHD

Forward yield	0.03%	3.46% ✓
Annual dividend / share	$0.01	$1.06 ✓
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	0%	0%
Portfolio after 10y	$19.7K	$29.0K ✓
Annual income after 10y	$3.33	$425.95 ✓
Total dividends collected	$33.00 ✓	$3.9K
Payment frequency	quarterly	quarterly
Sector	Stock	ETF

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

Year	REFA Portfolio	REFA Income/yr	SCHD Portfolio	SCHD Income/yr	Gap
1← crossover	$10,703	$3.33	$11,226	$346.36	$523.00 → SCHD
2	$11,456	$3.33	$12,572	$357.38	$1.1K → SCHD
3	$12,261	$3.33	$14,046	$367.84	$1.8K → SCHD
4	$13,123	$3.33	$15,660	$377.73	$2.5K → SCHD
5	$14,045	$3.33	$17,425	$387.07	$3.4K → SCHD
6	$15,031	$3.33	$19,354	$395.86	$4.3K → SCHD
7	$16,087	$3.33	$21,461	$404.13	$5.4K → SCHD
8	$17,216	$3.33	$23,762	$411.89	$6.5K → SCHD
9	$18,424	$3.33	$26,272	$419.15	$7.8K → SCHD
10	$19,718	$3.33	$29,010	$425.95	$9.3K → SCHD

REFA vs SCHD: Complete Analysis 2026

REFA — Stock

The fund invests at least 80% of its net assets (including the amount of any borrowings for investment purposes) in equity securities (including, but not limited to, common shares traded on local exchanges, American Depositary Receipts (ADRs) and Global Depositary Receipts (GDRs)) of companies located in international developed market countries. The index is comprised of a subset of the companies within the Starting Universe. It is non-diversified.

Full REFA 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.