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SCHD vs T: Dividend Comparison 2026

SCHD yields 3.77% · T yields 6.24% · See full DRIP projection below

vsEnter any two US tickers
After 10 years · $10,000 invested · DRIP enabled
🏆 SCHD wins by $27.6K 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 →
T
AT&T Inc.
6.24%
Share price
$17.80
Annual div
$1.11
5Y div CAGR
-8.2%
Payout ratio
58%
After 10 yrs · $10,000 · DRIP
Portfolio value
$9.1K
Annual income
$432.01
Full T calculator →

Portfolio growth — SCHD vs T

Annual dividend income

MetricSCHDT
Forward yield3.77%6.24%
Annual dividend / share$1.05$1.11
Payout ratio38%58%
1-year div growth5.18%0%
5-year div CAGR13.05%-8.2%
Portfolio after 10y$36.7K$9.1K
Annual income after 10y$1,925.82$432.01
Total dividends collected$10.1K$5.0K
Payment frequencyquarterlyquarterly
SectorETFTelecom

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

YearSCHD PortfolioSCHD Income/yrT PortfolioT Income/yrGap
1$11,306$426.37$9,962$572.46+$1.3KSCHD
2$12,802$500.91$9,912$557.56+$2.9KSCHD
3$14,518$589.33$9,850$542.34+$4.7KSCHD
4$16,490$694.43$9,776$526.88+$6.7KSCHD
5$18,761$819.56$9,691$511.23+$9.1KSCHD
6$21,381$968.84$9,595$495.45+$11.8KSCHD
7$24,409$1,147.26$9,489$479.58+$14.9KSCHD
8$27,918$1,360.94$9,374$463.69+$18.5KSCHD
9$31,993$1,617.39$9,250$447.82+$22.7KSCHD
10$36,734$1,925.82$9,118$432.01+$27.6KSCHD

SCHD vs T: 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 →

TTelecom

AT&T is one of the largest telecom companies in the US. After spinning off WarnerMedia in 2022 and cutting its dividend, AT&T has stabilized its payout at $1.11/year. High yield makes it attractive for pure income investors, though dividend growth has been absent. The company is focused on debt reduction and fiber network expansion.

Full T Calculator →

Frequently Asked Questions

Is SCHD or T better for dividend income in 2026?
SCHD currently offers a 3.77% yield (1.05/share/year) while T offers 6.24% (1.11/share/year). T 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 T earn per year?
With $10,000 invested today: SCHD pays approximately $377/year. T pays approximately $624/year. With DRIP reinvestment over 10 years, these grow to $1,926/year (SCHD) and $432/year (T).
Does SCHD or T pay monthly dividends?
SCHD pays quarterly dividends. T 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.