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SCHI vs RYLD: Dividend Comparison 2026

SCHI yields 5.02% · RYLD yields 4.00%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 RYLD wins by $233.00 in total portfolio value· pulled ahead in Year 9
10 years
SCHI
SCHI
● Live price
5.02%
Share price
$22.68
Annual div
$1.14
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$27.8K
Annual income
$692.29
Full SCHI calculator →
RYLD
RYLD
● Live price
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 RYLD calculator →

Portfolio growth — SCHI vs RYLD

📍 RYLD pulled ahead of the other in Year 9

Annual dividend income

🛡️

Recession Test — Did They Cut Dividends?

How each stock treated shareholders during the 3 biggest crises of the last 20 years

Crisis PeriodSCHIRYLD
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%.
📅

Dividend Calendar Overlap

Combined, SCHI + RYLD cover 0 of 12 months — good coverage

Jan
—
Feb
—
Mar
—
Apr
—
May
—
Jun
—
Jul
—
Aug
—
Sep
—
Oct
—
Nov
—
Dec
—
SCHI pays
RYLD pays
Both pay
Neither
💰

Tax Bracket Optimizer

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

SCHI
Annual income on $10K today (after 15% tax)
$426.80/yr
After 10yr DRIP, annual income (after tax)
$588.45/yr
RYLD
Annual income on $10K today (after 15% tax)
$340.00/yr
After 10yr DRIP, annual income (after tax)
$764.31/yr
At 15% tax rate, RYLD beats the other by $175.87/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of SCHI + RYLD for your $10,000?

SCHI: 50%RYLD: 50%
100% RYLD50/50100% SCHI
Portfolio after 10yr
$27.9K
Annual income
$795.74/yr
Blended yield
2.85%
🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

SCHI buys
0
RYLD buys
0
No recent congressional trades found for SCHI or RYLD in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricSCHIRYLD
Forward yield5.02% ✓4.00%
Annual dividend / share$1.14$2.00 ✓
Payout ratio50%50%
1-year div growth0%5% ✓
5-year div CAGR0%5% ✓
Portfolio after 10y$27.8K$28.0K ✓
Annual income after 10y$692.29$899.19 ✓
Total dividends collected$6.0K$6.4K ✓
Payment frequencyquarterlyquarterly
SectorStockETF

Year-by-year: SCHI vs RYLD ($10,000, DRIP)

YearSCHI PortfolioSCHI Income/yrRYLD PortfolioRYLD Income/yrGap
1$11,202$502.12$11,120$420.00+$82.00 → SCHI
2$12,512$525.68$12,357$458.31+$155.00 → SCHI
3$13,937$548.73$13,721$499.76+$216.00 → SCHI
4$15,483$571.23$15,227$544.58+$256.00 → SCHI
5$17,160$593.11$16,885$593.02+$275.00 → SCHI
6$18,976$614.34$18,713$645.34+$263.00 → SCHI
7$20,939$634.89$20,724$701.81+$215.00 → SCHI
8$23,059$654.75$22,938$762.73+$121.00 → SCHI
9← crossover$25,348$673.88$25,372$828.41$24.00 → RYLD
10$27,814$692.29$28,047$899.19$233.00 → RYLD

SCHI vs RYLD: Complete Analysis 2026

SCHI — Stock

The fund's goal is to track as closely as possible, before fees and expenses, the total return of an index that measures the performance of the intermediate-term U.S. corporate bond market.

Full SCHI Calculator →

RYLD — ETF

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

Full RYLD 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.