Is RUBY or SCHD a better dividend investment in 2026?

RUBY currently yields 3508.77% with a 5% 5-year dividend growth rate. SCHD yields 3.46% with 13.05% growth. The better choice depends on your goal: RUBY offers higher current income.

What is the dividend yield difference between RUBY and SCHD?

RUBY has a forward dividend yield of 3508.77% ($2.00/share annually). SCHD yields 3.46% ($1.06/share annually). The yield gap is 3505.31 percentage points.

Home › Compare › RUBY vs SCHD

RUBY vs SCHD: Dividend Comparison 2026

RUBY yields 3508.77% · SCHD yields 3.46%● Live data

vsPost on X →

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

🏆 RUBY wins by $2034141393542.05M in total portfolio value

INVESTMENT

TIME HORIZON10 years

RUBY

● Live price

3508.77%

Share price

$0.06

Annual div

$2.00

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$2034141393542.08M

Annual income

$1,926,153,862,282,748,700.00

Full RUBY 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 — RUBY vs SCHD

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

Jan

—

Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

RUBY pays

SCHD pays

Both pay

Neither

💰

Tax Bracket Optimizer

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

RUBY

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

$298,245.61/yr

After 10yr DRIP, annual income (after tax)

$1,637,230,782,940,336,400.00/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, RUBY beats the other by $1,637,230,782,940,336,000.00/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 RUBY + SCHD for your $10,000?

RUBY: 50%SCHD: 50%

100% SCHD50/50100% RUBY

Portfolio after 10yr

$1017070696771.06M

Annual income

$963,076,931,141,374,600.00/yr

Blended yield

94.69%

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Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

RUBY 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 →

MetricRUBYSCHD

Forward yield	3508.77% ✓	3.46%
Annual dividend / share	$2.00 ✓	$1.06
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	0%	0%
Portfolio after 10y	$2034141393542.08M ✓	$29.0K
Annual income after 10y	$1,926,153,862,282,748,700.00 ✓	$425.95
Total dividends collected	$2026733119198.63M ✓	$3.9K
Payment frequency	quarterly	quarterly
Sector	Stock	ETF

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

Year	RUBY Portfolio	RUBY Income/yr	SCHD Portfolio	SCHD Income/yr	Gap
1← crossover	$361,577	$350,877.19	$11,226	$346.36	+$350.4K → RUBY
2	$12,243,821	$11,856,933.69	$12,572	$357.38	+$12.23M → RUBY
3	$388,336,948	$375,236,059.53	$14,046	$367.84	+$388.32M → RUBY
4	$11,538,279,357	$11,122,758,822.00	$15,660	$377.73	+$11538.26M → RUBY
5	$321,205,540,543	$308,859,581,631.20	$17,425	$387.07	+$321205.52M → RUBY
6	$8,379,307,864,544	$8,035,617,936,162.96	$19,354	$395.86	+$8379307.85M → RUBY
7	$204,877,671,222,196	$195,911,811,807,134.25	$21,461	$404.13	+$204877671.20M → RUBY
8	$4,695,974,086,156,479	$4,476,754,977,948,728.50	$23,762	$411.89	+$4695974086.13M → RUBY
9	$100,922,926,410,592,910	$95,898,234,138,405,470.00	$26,272	$419.15	+$100922926410.57M → RUBY
10	$2,034,141,393,542,082,800	$1,926,153,862,282,748,700.00	$29,010	$425.95	+$2034141393542.05M → RUBY

RUBY vs SCHD: Complete Analysis 2026

RUBY — Stock

Rubius Therapeutics, Inc., a clinical-stage biopharmaceutical company, focuses on the development of red cell therapeutics (RCTs) for the treatment of patients with severe diseases. The company is developing RTX-240 and RTX-224 for the treatment of solid tumors cancer; and RTX-aAPC to treat cancers. It is also developing RTX-321 for the treatment of HPV-positive tumors; and RTX-T1D for treating type 1 diabetes. The company was incorporated in 2013 and is headquartered in Cambridge, Massachusetts.

Full RUBY 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.