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SCHQ vs RYLD: Dividend Comparison 2026

SCHQ yields 4.63% · RYLD yields 4.00%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 RYLD wins by $961.00 in total portfolio value· pulled ahead in Year 6
10 years
SCHQ
SCHQ
● Live price
4.63%
Share price
$31.43
Annual div
$1.46
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$27.1K
Annual income
$622.84
Full SCHQ 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 — SCHQ vs RYLD

📍 RYLD pulled ahead of the other in Year 6

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 PeriodSCHQRYLD
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, SCHQ + RYLD cover 0 of 12 months — good coverage

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

Tax Bracket Optimizer

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

SCHQ
Annual income on $10K today (after 15% tax)
$393.55/yr
After 10yr DRIP, annual income (after tax)
$529.41/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 $234.90/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

SCHQ: 50%RYLD: 50%
100% RYLD50/50100% SCHQ
Portfolio after 10yr
$27.6K
Annual income
$761.02/yr
Blended yield
2.76%
🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

SCHQ buys
0
RYLD buys
0
No recent congressional trades found for SCHQ or RYLD in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricSCHQRYLD
Forward yield4.63% ✓4.00%
Annual dividend / share$1.46$2.00 ✓
Payout ratio50%50%
1-year div growth0%5% ✓
5-year div CAGR0%5% ✓
Portfolio after 10y$27.1K$28.0K ✓
Annual income after 10y$622.84$899.19 ✓
Total dividends collected$5.5K$6.4K ✓
Payment frequencyquarterlyquarterly
SectorStockETF

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

YearSCHQ PortfolioSCHQ Income/yrRYLD PortfolioRYLD Income/yrGap
1$11,163$463.00$11,120$420.00+$43.00 → SCHQ
2$12,427$483.03$12,357$458.31+$70.00 → SCHQ
3$13,800$502.57$13,721$499.76+$79.00 → SCHQ
4$15,287$521.56$15,227$544.58+$60.00 → SCHQ
5$16,898$539.98$16,885$593.02+$13.00 → SCHQ
6← crossover$18,638$557.81$18,713$645.34$75.00 → RYLD
7$20,518$575.02$20,724$701.81$206.00 → RYLD
8$22,546$591.60$22,938$762.73$392.00 → RYLD
9$24,732$607.54$25,372$828.41$640.00 → RYLD
10$27,086$622.84$28,047$899.19$961.00 → RYLD

SCHQ vs RYLD: Complete Analysis 2026

SCHQ — 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 long-term U.S. Treasury bond market.

Full SCHQ 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.