HomeCompareRYBCX vs SCHD

RYBCX vs SCHD: Dividend Comparison 2026

RYBCX yields 11.56% · SCHD yields 3.46%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 RYBCX wins by $13.9K in total portfolio value
10 years
RYBCX
RYBCX
● Live price
11.56%
Share price
$65.11
Annual div
$7.52
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$42.9K
Annual income
$2,379.90
Full RYBCX calculator →
SCHD
Schwab U.S. Dividend Equity ETF
● Live price
3.46%
Share price
$30.48
Annual div
$1.06
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$29.0K
Annual income
$425.95
Full SCHD calculator →

Portfolio growth — RYBCX vs SCHD

📍 RYBCX 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 PeriodRYBCXSCHD
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, RYBCX + SCHD cover 0 of 12 monthsgood coverage

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

RYBCX
Annual income on $10K today (after 15% tax)
$982.37/yr
After 10yr DRIP, annual income (after tax)
$2,022.92/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, RYBCX beats the other by $1,660.86/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

RYBCX: 50%SCHD: 50%
100% SCHD50/50100% RYBCX
Portfolio after 10yr
$35.9K
Annual income
$1,402.92/yr
Blended yield
3.90%
🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

RYBCX buys
0
SCHD buys
0
No recent congressional trades found for RYBCX or SCHD in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricRYBCXSCHD
Forward yield11.56%3.46%
Annual dividend / share$7.52$1.06
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR0%0%
Portfolio after 10y$42.9K$29.0K
Annual income after 10y$2,379.90$425.95
Total dividends collected$17.6K$3.9K
Payment frequencyquarterlyquarterly
SectorStockETF

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

YearRYBCX PortfolioRYBCX Income/yrSCHD PortfolioSCHD Income/yrGap
1← crossover$11,856$1,155.73$11,226$346.36+$630.00RYBCX
2$13,966$1,280.56$12,572$357.38+$1.4KRYBCX
3$16,354$1,409.83$14,046$367.84+$2.3KRYBCX
4$19,041$1,542.83$15,660$377.73+$3.4KRYBCX
5$22,053$1,678.87$17,425$387.07+$4.6KRYBCX
6$25,414$1,817.21$19,354$395.86+$6.1KRYBCX
7$29,150$1,957.15$21,461$404.13+$7.7KRYBCX
8$33,289$2,098.02$23,762$411.89+$9.5KRYBCX
9$37,858$2,239.14$26,272$419.15+$11.6KRYBCX
10$42,888$2,379.90$29,010$425.95+$13.9KRYBCX

RYBCX vs SCHD: Complete Analysis 2026

RYBCXStock

The fund invests substantially all (at least 80%) of its net assets in equity securities of Basic Materials Companies that are traded in the United States and in derivatives. It may invest to a significant extent in the securities of Basic Materials Companies that have small to mid-sized capitalizations. Basic Materials Companies are engaged in the manufacture, mining, processing, or distribution of raw materials and intermediate goods used in the industrials sector, and may be involved in the production and transportation of metals, textiles, and wood products.

Full RYBCX Calculator →

SCHDETF

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.