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RJI vs SCHD: Dividend Comparison 2026

RJI yields 24.68% · SCHD yields 3.44%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 RJI wins by $67.9K in total portfolio value
10 years
RJI
RJI
● Live price
24.68%
Share price
$8.11
Annual div
$2.00
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$96.9K
Annual income
$10,797.69
Full RJI calculator →
SCHD
Schwab U.S. Dividend Equity ETF
● Live price
3.44%
Share price
$30.65
Annual div
$1.06
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$29.0K
Annual income
$423.11
Full SCHD calculator →

Portfolio growth — RJI vs SCHD

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

Jan
—
Feb
—
Mar
—
Apr
—
May
—
Jun
—
Jul
—
Aug
—
Sep
—
Oct
—
Nov
—
Dec
—
RJI 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.

RJI
Annual income on $10K today (after 15% tax)
$2,097.47/yr
After 10yr DRIP, annual income (after tax)
$9,178.04/yr
SCHD
Annual income on $10K today (after 15% tax)
$292.77/yr
After 10yr DRIP, annual income (after tax)
$359.64/yr
At 15% tax rate, RJI beats the other by $8,818.39/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 RJI + SCHD for your $10,000?

RJI: 50%SCHD: 50%
100% SCHD50/50100% RJI
Portfolio after 10yr
$62.9K
Annual income
$5,610.40/yr
Blended yield
8.92%
🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

RJI buys
0
SCHD buys
3
PoliticianChamberTickerTypeAmountDate
Virginia Foxx🏢 House$SCHD▼ Sell$50,001 - $100,0002023-03-08
Steve Cohen🏢 House$SCHD▲ Buy$50,001 - $100,0002022-07-29
Hakeem S. Jeffries🏢 House$SCHD▲ Buy$15,001 - $50,0002021-04-12
Mikie Sherrill🏢 House$SCHD▲ Buy$100,001 - $250,0002020-02-21
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricRJISCHD
Forward yield24.68% ✓3.44%
Annual dividend / share$2.00 ✓$1.06
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR0%0%
Portfolio after 10y$96.9K ✓$29.0K
Annual income after 10y$10,797.69 ✓$423.11
Total dividends collected$61.0K ✓$3.9K
Payment frequencyquarterlyquarterly
SectorStockETF

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

YearRJI PortfolioRJI Income/yrSCHD PortfolioSCHD Income/yrGap
1← crossover$13,168$2,467.61$11,224$344.44+$1.9K → RJI
2$17,126$3,036.69$12,568$355.34+$4.6K → RJI
3$22,016$3,691.19$14,039$365.68+$8.0K → RJI
4$27,992$4,434.71$15,650$375.46+$12.3K → RJI
5$35,221$5,269.55$17,412$384.69+$17.8K → RJI
6$43,883$6,196.67$19,338$393.38+$24.5K → RJI
7$54,170$7,215.57$21,441$401.55+$32.7K → RJI
8$66,287$8,324.39$23,737$409.21+$42.5K → RJI
9$80,447$9,519.91$26,242$416.39+$54.2K → RJI
10$96,876$10,797.69$28,974$423.11+$67.9K → RJI

RJI vs SCHD: Complete Analysis 2026

RJI — Stock

The index represents the value of a basket of 35 commodity futures contracts.

Full RJI 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.