Is RSPS or SCHD a better dividend investment in 2026?

RSPS currently yields 2.85% with a 5% 5-year dividend growth rate. SCHD yields 3.44% with 13.05% growth. The better choice depends on your goal: SCHD offers higher current income.

What is the dividend yield difference between RSPS and SCHD?

RSPS has a forward dividend yield of 2.85% ($0.84/share annually). SCHD yields 3.44% ($1.06/share annually). The yield gap is 0.59 percentage points.

Home › Compare › RSPS vs SCHD

RSPS vs SCHD: Dividend Comparison 2026

RSPS yields 2.85% · SCHD yields 3.44%● Live data

vsPost on X →

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

🏆 SCHD wins by $5.0K in total portfolio value

INVESTMENT

TIME HORIZON10 years

RSPS

● Live price

2.85%

Share price

$29.48

Annual div

$0.84

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$24.0K

Annual income

$341.98

Full RSPS calculator →

SCHD

Schwab U.S. Dividend Equity ETF

● Live price

3.44%

Share price

$30.68

Annual div

$1.06

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$29.0K

Annual income

$422.61

Full SCHD calculator →

Portfolio growth — RSPS vs SCHD

📍 SCHD pulled ahead of the other in Year 1

Annual dividend income

🛡️

Recession Test — Did They Cut Dividends?

How each stock treated shareholders during the 3 biggest crises of the last 20 years

Crisis Period	RSPS	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%.

📅

Dividend Calendar Overlap

Combined, RSPS + SCHD cover 0 of 12 months — good coverage

Jan

—

Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

RSPS pays

SCHD pays

Both pay

Neither

💰

Tax Bracket Optimizer

Which stock is actually better after tax? Adjust your rate to find out.

RSPS

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

$241.95/yr

After 10yr DRIP, annual income (after tax)

$290.68/yr

SCHD

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

$292.49/yr

After 10yr DRIP, annual income (after tax)

$359.22/yr

At 15% tax rate, SCHD beats the other by $68.54/year in after-tax income after 10 years on $10,000

⚖️

Lazy Portfolio Split Optimizer

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

RSPS: 50%SCHD: 50%

100% SCHD50/50100% RSPS

Portfolio after 10yr

$26.5K

Annual income

$382.29/yr

Blended yield

1.44%

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

RSPS 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 →

MetricRSPSSCHD

Forward yield	2.85%	3.44% ✓
Annual dividend / share	$0.84	$1.06 ✓
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	0%	0%
Portfolio after 10y	$24.0K	$29.0K ✓
Annual income after 10y	$341.98	$422.61 ✓
Total dividends collected	$3.2K	$3.9K ✓
Payment frequency	quarterly	quarterly
Sector	Stock	ETF

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

Year	RSPS Portfolio	RSPS Income/yr	SCHD Portfolio	SCHD Income/yr	Gap
1← crossover	$10,985	$284.64	$11,224	$344.10	$239.00 → SCHD
2	$12,046	$292.21	$12,567	$354.98	$521.00 → SCHD
3	$13,188	$299.48	$14,038	$365.30	$850.00 → SCHD
4	$14,418	$306.44	$15,648	$375.06	$1.2K → SCHD
5	$15,740	$313.09	$17,410	$384.27	$1.7K → SCHD
6	$17,162	$319.44	$19,335	$392.95	$2.2K → SCHD
7	$18,689	$325.50	$21,437	$401.10	$2.7K → SCHD
8	$20,328	$331.27	$23,733	$408.75	$3.4K → SCHD
9	$22,088	$336.76	$26,237	$415.91	$4.1K → SCHD
10	$23,976	$341.98	$28,968	$422.61	$5.0K → SCHD

RSPS vs SCHD: Complete Analysis 2026

RSPS — Stock

The Invesco S&P 500 Equal Weight Consumer Staples ETF (Fund) is based on the S&P 500 Equal Weight Consumer Staples Index (Index). The Fund will invest at least 90% of its total assets in common stocks that comprise the Index. The Index equally weights stocks in the consumer staples sector of the S&P 500 Index. The Fund and the Index are rebalanced quarterly.

Full RSPS 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 →

📬

Get this RSPS vs SCHD comparison by email

Save your analysis + weekly dividend insights. Free forever.

More comparisons

RSPS vs JEPI RSPS vs O RSPS vs KO RSPS vs MAIN RSPS vs VYM RSPS vs DGRO RSPS vs VIG RSPS vs HDV

⚠️ Educational purposes only. Not financial advice. Congressional trades sourced from SEC STOCK Act filings via FMP. Past performance does not guarantee future results.