HomeCompareSAPH vs SCHD

SAPH vs SCHD: Dividend Comparison 2026

SAPH yields 0.75% · SCHD yields 3.46%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 SCHD wins by $8.3K in total portfolio value
10 years
SAPH
SAPH
● Live price
0.75%
Share price
$31.59
Annual div
$0.24
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$20.7K
Annual income
$78.49
Full SAPH 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 — SAPH vs SCHD

📍 SCHD 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 PeriodSAPHSCHD
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, SAPH + SCHD cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
SAPH pays
SCHD pays
Both pay
Neither
💰

Tax Bracket Optimizer

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

SAPH
Annual income on $10K today (after 15% tax)
$63.55/yr
After 10yr DRIP, annual income (after tax)
$66.72/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 $295.34/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

SAPH: 50%SCHD: 50%
100% SCHD50/50100% SAPH
Portfolio after 10yr
$24.9K
Annual income
$252.21/yr
Blended yield
1.01%
🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

SAPH buys
0
SCHD buys
0
No recent congressional trades found for SAPH or SCHD in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricSAPHSCHD
Forward yield0.75%3.46%
Annual dividend / share$0.24$1.06
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR0%0%
Portfolio after 10y$20.7K$29.0K
Annual income after 10y$78.49$425.95
Total dividends collected$768.00$3.9K
Payment frequencyquarterlyquarterly
SectorStockETF

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

YearSAPH PortfolioSAPH Income/yrSCHD PortfolioSCHD Income/yrGap
1← crossover$10,775$74.77$11,226$346.36$451.00SCHD
2$11,604$75.29$12,572$357.38$968.00SCHD
3$12,492$75.78$14,046$367.84$1.6KSCHD
4$13,443$76.24$15,660$377.73$2.2KSCHD
5$14,461$76.68$17,425$387.07$3.0KSCHD
6$15,550$77.09$19,354$395.86$3.8KSCHD
7$16,716$77.47$21,461$404.13$4.7KSCHD
8$17,964$77.83$23,762$411.89$5.8KSCHD
9$19,300$78.17$26,272$419.15$7.0KSCHD
10$20,729$78.49$29,010$425.95$8.3KSCHD

SAPH vs SCHD: Complete Analysis 2026

SAPHStock

SAPH provides exposure to currency-hedged depositary receipt for Americans interested in investing in SAP SE. Investing in the ADR or original shares directly exposes investors currency fluctuations, which impacts returns. ADRhedged products aim to provide a slightly different approach to international investing by focusing on a single international stock and hedging the specific currency risk. It is anticipated that each ETF share will represent one ADR share. In addition, each day a currency hedge contract is marked to the market based on the notional value of the currency hedge contract and the change in the value of the local currency in relation to the US dollar. As a result of the market-to-market payments, the ratio of portfolio securities to shares will vary over time. The objective is to provide the total return performance of the stock in its local market.

Full SAPH 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.