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SCHO vs SCHD: Dividend Comparison 2026

SCHO yields 4.00% · SCHD yields 3.44%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 SCHD wins by $3.0K in total portfolio value
10 years
SCHO
SCHO
● Live price
4.00%
Share price
$24.27
Annual div
$0.97
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$26.0K
Annual income
$517.65
Full SCHO calculator →
SCHD
Schwab U.S. Dividend Equity ETF
● Live price
3.44%
Share price
$30.68
Annual div
$1.06
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$29.0K
Annual income
$422.61
Full SCHD calculator →

Portfolio growth — SCHO 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 PeriodSCHOSCHD
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, SCHO + SCHD cover 0 of 12 months — good coverage

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

Tax Bracket Optimizer

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

SCHO
Annual income on $10K today (after 15% tax)
$340.28/yr
After 10yr DRIP, annual income (after tax)
$440.00/yr
SCHD
Annual income on $10K today (after 15% tax)
$292.49/yr
After 10yr DRIP, annual income (after tax)
$359.22/yr
At 15% tax rate, SCHO beats the other by $80.78/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

SCHO: 50%SCHD: 50%
100% SCHD50/50100% SCHO
Portfolio after 10yr
$27.5K
Annual income
$470.12/yr
Blended yield
1.71%
🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

SCHO buys
0
SCHD buys
0
No recent congressional trades found for SCHO or SCHD in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricSCHOSCHD
Forward yield4.00% ✓3.44%
Annual dividend / share$0.97$1.06 ✓
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR0%0%
Portfolio after 10y$26.0K$29.0K ✓
Annual income after 10y$517.65 ✓$422.61
Total dividends collected$4.6K ✓$3.9K
Payment frequencyquarterlyquarterly
SectorStockETF

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

YearSCHO PortfolioSCHO Income/yrSCHD PortfolioSCHD Income/yrGap
1← crossover$11,100$400.33$11,224$344.10$124.00 → SCHD
2$12,293$415.31$12,567$354.98$274.00 → SCHD
3$13,583$429.83$14,038$365.30$455.00 → SCHD
4$14,978$443.88$15,648$375.06$670.00 → SCHD
5$16,484$457.43$17,410$384.27$926.00 → SCHD
6$18,108$470.49$19,335$392.95$1.2K → SCHD
7$19,858$483.04$21,437$401.10$1.6K → SCHD
8$21,744$495.08$23,733$408.75$2.0K → SCHD
9$23,772$506.62$26,237$415.91$2.5K → SCHD
10$25,954$517.65$28,968$422.61$3.0K → SCHD

SCHO vs SCHD: Complete Analysis 2026

SCHO — 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 short-term U.S. Treasury bond market.

Full SCHO 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.