Is RYHTY or SCHD a better dividend investment in 2026?

RYHTY currently yields 32.73% with a 5% 5-year dividend growth rate. SCHD yields 3.46% with 13.05% growth. The better choice depends on your goal: RYHTY offers higher current income.

What is the dividend yield difference between RYHTY and SCHD?

RYHTY has a forward dividend yield of 32.73% ($2.00/share annually). SCHD yields 3.46% ($1.06/share annually). The yield gap is 29.27 percentage points.

Home › Compare › RYHTY vs SCHD

RYHTY vs SCHD: Dividend Comparison 2026

RYHTY yields 32.73% · SCHD yields 3.46%● Live data

vsPost on X →

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

🏆 SCHD wins by $3.2K in total portfolio value· pulled ahead in Year 7

INVESTMENT

TIME HORIZON10 years

RYHTY

● Live price

32.73%

Share price

$6.11

Annual div

$2.00

5Y div CAGR

-50%

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$25.9K

Annual income

$4.20

Full RYHTY 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 — RYHTY vs SCHD

📍 SCHD pulled ahead of the other in Year 7

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	RYHTY	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, RYHTY + SCHD cover 0 of 12 months — good coverage

Jan

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Feb

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Mar

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Apr

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May

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Jun

—

Jul

—

Aug

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Sep

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Oct

—

Nov

—

Dec

—

RYHTY 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.

RYHTY

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

$2,782.32/yr

After 10yr DRIP, annual income (after tax)

$3.57/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, SCHD beats the other by $358.49/year in after-tax income after 10 years on $10,000

⚖️

Lazy Portfolio Split Optimizer

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

RYHTY: 50%SCHD: 50%

100% SCHD50/50100% RYHTY

Portfolio after 10yr

$27.4K

Annual income

$215.07/yr

Blended yield

0.78%

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

RYHTY buys

SCHD buys

No recent congressional trades found for RYHTY or SCHD in the last 90 days.

STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →

MetricRYHTYSCHD

Forward yield	32.73% ✓	3.46%
Annual dividend / share	$2.00 ✓	$1.06
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	-50%	0% ✓
Portfolio after 10y	$25.9K	$29.0K ✓
Annual income after 10y	$4.20	$425.95 ✓
Total dividends collected	$3.6K	$3.9K ✓
Payment frequency	quarterly	quarterly
Sector	Stock	ETF

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

Year	RYHTY Portfolio	RYHTY Income/yr	SCHD Portfolio	SCHD Income/yr	Gap
1	$12,337	$1,636.66	$11,226	$346.36	+$1.1K → RYHTY
2	$14,144	$943.50	$12,572	$357.38	+$1.6K → RYHTY
3	$15,639	$505.47	$14,046	$367.84	+$1.6K → RYHTY
4	$16,995	$261.18	$15,660	$377.73	+$1.3K → RYHTY
5	$18,317	$132.63	$17,425	$387.07	+$892.00 → RYHTY
6	$19,666	$66.80	$19,354	$395.86	+$312.00 → RYHTY
7← crossover	$21,077	$33.51	$21,461	$404.13	$384.00 → SCHD
8	$22,569	$16.78	$23,762	$411.89	$1.2K → SCHD
9	$24,157	$8.40	$26,272	$419.15	$2.1K → SCHD
10	$25,852	$4.20	$29,010	$425.95	$3.2K → SCHD

RYHTY vs SCHD: Complete Analysis 2026

RYHTY — Stock

Ryman Healthcare Limited develops, owns, and operates integrated retirement villages, rest homes, and hospitals for the elderly in New Zealand and Australia. The company's villages provide a range of retirement living and care options, such as independent townhouses and apartments, and serviced apartments, as well as a care center, which offers rest homes, hospitals, dementia-level care, and respite and day care services. Its villages also provide all-weather bowling green, indoor heated swimming pool and spa, gym, internal atrium, beauty and hairdressing salons, library, dining room, internet café, bar, lounges, croquet laws, shops, and movie theatre facilities. As of May 20, 2022, Ryman Healthcare Limited owned and operated 45 retirement villages with approximately 8,538 retirement village units and 4,239 care units. The company was founded in 1984 and is based in Christchurch, New Zealand.

Full RYHTY 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.