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SCHD vs BTI: Dividend Comparison 2026

SCHD yields 3.77% · BTI yields 4.00% · See full DRIP projection below

vsEnter any two US tickers
After 10 years · $10,000 invested · DRIP enabled
🏆 SCHD wins by $8.7K in total portfolio value
10 years
SCHD
Schwab U.S. Dividend Equity ETF
3.77%
Share price
$27.84
Annual div
$1.05
5Y div CAGR
13.05%
Payout ratio
38%
After 10 yrs · $10,000 · DRIP
Portfolio value
$36.7K
Annual income
$1,925.82
Full SCHD calculator →
BTI
BTI
4.00%
Share price
$50.00
Annual div
$2.00
5Y div CAGR
5%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$28.0K
Annual income
$899.19
Full BTI calculator →

Portfolio growth — SCHD vs BTI

Annual dividend income

MetricSCHDBTI
Forward yield3.77%4.00%
Annual dividend / share$1.05$2.00
Payout ratio38%50%
1-year div growth5.18%5%
5-year div CAGR13.05%5%
Portfolio after 10y$36.7K$28.0K
Annual income after 10y$1,925.82$899.19
Total dividends collected$10.1K$6.4K
Payment frequencyquarterlyquarterly
SectorETFConsumer Staples

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

YearSCHD PortfolioSCHD Income/yrBTI PortfolioBTI Income/yrGap
1$11,306$426.37$11,120$420.00+$186.00SCHD
2$12,802$500.91$12,357$458.31+$445.00SCHD
3$14,518$589.33$13,721$499.76+$797.00SCHD
4$16,490$694.43$15,227$544.58+$1.3KSCHD
5$18,761$819.56$16,885$593.02+$1.9KSCHD
6$21,381$968.84$18,713$645.34+$2.7KSCHD
7$24,409$1,147.26$20,724$701.81+$3.7KSCHD
8$27,918$1,360.94$22,938$762.73+$5.0KSCHD
9$31,993$1,617.39$25,372$828.41+$6.6KSCHD
10$36,734$1,925.82$28,047$899.19+$8.7KSCHD

SCHD vs BTI: Complete Analysis 2026

SCHDETF

SCHD tracks the Dow Jones U.S. Dividend 100 Index, focusing on quality companies with consistent dividend histories. With $60B+ AUM, it's the most popular dividend ETF in the US — combining income with quality. Only companies with 10+ consecutive years of dividends qualify. The ETF rebalances annually and has delivered market-beating total returns since inception in 2011.

Full SCHD Calculator →

BTIConsumer Staples

BTI is a dividend-paying stock. Use this calculator to estimate your future dividend income, DRIP compounding returns, and passive income potential from investing in BTI shares.

Full BTI Calculator →

Frequently Asked Questions

Is SCHD or BTI better for dividend income in 2026?
SCHD currently offers a 3.77% yield (1.05/share/year) while BTI offers 4.00% (2.00/share/year). BTI provides higher current income. However, SCHD has grown its dividend faster (13.05% 5Y CAGR), which may lead to better long-term income through compounding.
How much would $10,000 in SCHD vs BTI earn per year?
With $10,000 invested today: SCHD pays approximately $377/year. BTI pays approximately $400/year. With DRIP reinvestment over 10 years, these grow to $1,926/year (SCHD) and $899/year (BTI).
Does SCHD or BTI pay monthly dividends?
SCHD pays quarterly dividends. BTI pays quarterly dividends. Neither pay monthly — both use a quarterly schedule, which is preferred by investors who need regular cash flow.
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⚠️ Educational purposes only. Not financial advice. All projections use historical data; actual results will vary.