Is RTL or SCHD a better dividend investment in 2026?

RTL currently yields 11.17% with a 5% 5-year dividend growth rate. SCHD yields 3.46% with 13.05% growth. The better choice depends on your goal: RTL offers higher current income.

What is the dividend yield difference between RTL and SCHD?

RTL has a forward dividend yield of 11.17% ($0.85/share annually). SCHD yields 3.46% ($1.06/share annually). The yield gap is 7.71 percentage points.

Home › Compare › RTL vs SCHD

RTL vs SCHD: Dividend Comparison 2026

RTL yields 11.17% · SCHD yields 3.46%● Live data

vsPost on X →

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

🏆 RTL wins by $81.8K in total portfolio value

INVESTMENT

TIME HORIZON10 years

RTL

● Live price

11.17%

Share price

$7.61

Annual div

$0.85

5Y div CAGR

17.1%

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$110.8K

Annual income

$23,910.05

Full RTL 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 — RTL vs SCHD

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

Jan

—

Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

RTL pays

SCHD pays

Both pay

Neither

💰

Tax Bracket Optimizer

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

RTL

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

$949.41/yr

After 10yr DRIP, annual income (after tax)

$20,323.54/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, RTL beats the other by $19,961.49/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 RTL + SCHD for your $10,000?

RTL: 50%SCHD: 50%

100% SCHD50/50100% RTL

Portfolio after 10yr

$69.9K

Annual income

$12,167.99/yr

Blended yield

17.41%

📊

Analyst Conviction Gap

Where Wall Street is most bullish on RTL right now

RTL

Analyst Ratings

Buy

Consensus: Buy

Altman Z

-0.3

Piotroski

5/9

SCHD

No analyst data

Analyst ratings via FMP. Altman Z-Score: >3.0 safe, 1.81–3.0 grey zone, <1.81 distress. Piotroski: 7–9 strong, 0–3 weak.

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

RTL 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
Chris Jacobs	🏢 House	$RTL	▲ Buy	$15,001 - $50,000	2022-06-21
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 →

MetricRTLSCHD

Forward yield	11.17% ✓	3.46%
Annual dividend / share	$0.85	$1.06 ✓
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	17.1% ✓	0%
Portfolio after 10y	$110.8K ✓	$29.0K
Annual income after 10y	$23,910.05 ✓	$425.95
Total dividends collected	$77.8K ✓	$3.9K
Payment frequency	quarterly	quarterly
Sector	Stock	ETF

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

Year	RTL Portfolio	RTL Income/yr	SCHD Portfolio	SCHD Income/yr	Gap
1← crossover	$12,008	$1,307.95	$11,226	$346.36	+$782.00 → RTL
2	$14,567	$1,718.83	$12,572	$357.38	+$2.0K → RTL
3	$17,869	$2,282.01	$14,046	$367.84	+$3.8K → RTL
4	$22,183	$3,063.46	$15,660	$377.73	+$6.5K → RTL
5	$27,898	$4,162.08	$17,425	$387.07	+$10.5K → RTL
6	$35,580	$5,728.41	$19,354	$395.86	+$16.2K → RTL
7	$46,065	$7,995.22	$21,461	$404.13	+$24.6K → RTL
8	$60,619	$11,328.63	$23,762	$411.89	+$36.9K → RTL
9	$81,177	$16,314.80	$26,272	$419.15	+$54.9K → RTL
10	$110,769	$23,910.05	$29,010	$425.95	+$81.8K → RTL

RTL vs SCHD: Complete Analysis 2026

RTL — Stock

The Necessity Retail REIT (Nasdaq: RTL) is a publicly traded real estate investment trust listed on Nasdaq focused on acquiring and managing a diversified portfolio of primarily service-oriented and traditional retail and distribution related commercial real estate properties in the U.S. Additional information about RTL can be found on its website at www.necessityretailreit.com.

Full RTL 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.