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SEPI vs SCHD: Dividend Comparison 2026

SEPI yields 4.43% · SCHD yields 3.44%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 SCHD wins by $2.2K in total portfolio value
10 years
SEPI
SEPI
● Live price
4.43%
Share price
$25.06
Annual div
$1.11
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$26.7K
Annual income
$588.52
Full SEPI 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 — SEPI 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 PeriodSEPISCHD
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, SEPI + SCHD cover 0 of 12 months — good coverage

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

Tax Bracket Optimizer

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

SEPI
Annual income on $10K today (after 15% tax)
$376.57/yr
After 10yr DRIP, annual income (after tax)
$500.24/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, SEPI beats the other by $141.02/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

SEPI: 50%SCHD: 50%
100% SCHD50/50100% SEPI
Portfolio after 10yr
$27.8K
Annual income
$505.56/yr
Blended yield
1.82%
🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

SEPI buys
0
SCHD buys
0
No recent congressional trades found for SEPI or SCHD in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricSEPISCHD
Forward yield4.43% ✓3.44%
Annual dividend / share$1.11 ✓$1.06
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR0%0%
Portfolio after 10y$26.7K$29.0K ✓
Annual income after 10y$588.52 ✓$422.61
Total dividends collected$5.2K ✓$3.9K
Payment frequencyquarterlyquarterly
SectorStockETF

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

YearSEPI PortfolioSEPI Income/yrSCHD PortfolioSCHD Income/yrGap
1← crossover$11,143$443.03$11,224$344.10$81.00 → SCHD
2$12,384$461.37$12,567$354.98$183.00 → SCHD
3$13,731$479.22$14,038$365.30$307.00 → SCHD
4$15,188$496.55$15,648$375.06$460.00 → SCHD
5$16,765$513.33$17,410$384.27$645.00 → SCHD
6$18,468$529.55$19,335$392.95$867.00 → SCHD
7$20,306$545.18$21,437$401.10$1.1K → SCHD
8$22,287$560.22$23,733$408.75$1.4K → SCHD
9$24,422$574.67$26,237$415.91$1.8K → SCHD
10$26,720$588.52$28,968$422.61$2.2K → SCHD

SEPI vs SCHD: Complete Analysis 2026

SEPI — Stock

It is the fund’s policy that, under normal market conditions, it will invest at least 80% of its total assets (which includes the amount of any borrowings for investment purposes) in common stocks.

Full SEPI 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.