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SHY vs SCHD: Dividend Comparison 2026

SHY yields 3.76% · SCHD yields 3.46%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 SCHD wins by $3.5K in total portfolio value
10 years
SHY
SHY
● Live price
3.76%
Share price
$82.50
Annual div
$3.10
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$25.5K
Annual income
$478.12
Full SHY calculator →
SCHD
Schwab U.S. Dividend Equity ETF
● Live price
3.46%
Share price
$30.48
Annual div
$1.06
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$29.0K
Annual income
$425.95
Full SCHD calculator →

Portfolio growth — SHY 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 PeriodSHYSCHD
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%.
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Dividend Calendar Overlap

Combined, SHY + SCHD cover 0 of 12 months — good coverage

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

Tax Bracket Optimizer

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

SHY
Annual income on $10K today (after 15% tax)
$319.26/yr
After 10yr DRIP, annual income (after tax)
$406.40/yr
SCHD
Annual income on $10K today (after 15% tax)
$294.40/yr
After 10yr DRIP, annual income (after tax)
$362.06/yr
At 15% tax rate, SHY beats the other by $44.34/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

SHY: 50%SCHD: 50%
100% SCHD50/50100% SHY
Portfolio after 10yr
$27.3K
Annual income
$452.03/yr
Blended yield
1.66%
🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

SHY buys
10
SCHD buys
3
PoliticianChamberTickerTypeAmountDate
John Boozman🏛 Senate$SHY▼ Sell$15,001 - $50,0002026-02-06
John Boozman🏛 Senate$SHY▲ Buy$1,001 - $15,0002025-09-16
John Boozman🏛 Senate$SHY▲ Buy$1,001 - $15,0002025-09-16
John Boozman🏛 Senate$SHY▲ Buy$1,001 - $15,0002025-08-01
John Boozman🏛 Senate$SHY▲ Buy$1,001 - $15,0002025-08-01
John Boozman🏛 Senate$SHY▼ Sell$1,001 - $15,0002025-04-09
John Boozman🏛 Senate$SHY▼ Sell$1,001 - $15,0002025-04-09
Charles J. "Chuck" Fleischmann🏢 House$SHY▼ Sell$15,001 - $50,0002024-10-22
John Boozman🏛 Senate$SHY▲ Buy$1,001 - $15,0002024-09-06
John Boozman🏛 Senate$SHY▲ Buy$1,001 - $15,0002024-09-06
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricSHYSCHD
Forward yield3.76% ✓3.46%
Annual dividend / share$3.10 ✓$1.06
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR0%0%
Portfolio after 10y$25.5K$29.0K ✓
Annual income after 10y$478.12 ✓$425.95
Total dividends collected$4.3K ✓$3.9K
Payment frequencyquarterlyquarterly
SectorETFETF

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

YearSHY PortfolioSHY Income/yrSCHD PortfolioSCHD Income/yrGap
1← crossover$11,076$375.60$11,226$346.36$150.00 → SCHD
2$12,240$388.78$12,572$357.38$332.00 → SCHD
3$13,498$401.54$14,046$367.84$548.00 → SCHD
4$14,857$413.85$15,660$377.73$803.00 → SCHD
5$16,322$425.71$17,425$387.07$1.1K → SCHD
6$17,902$437.11$19,354$395.86$1.5K → SCHD
7$19,603$448.05$21,461$404.13$1.9K → SCHD
8$21,434$458.53$23,762$411.89$2.3K → SCHD
9$23,403$468.55$26,272$419.15$2.9K → SCHD
10$25,519$478.12$29,010$425.95$3.5K → SCHD

SHY vs SCHD: Complete Analysis 2026

SHY — ETF

The iShares 1-3 Year Treasury Bond ETF seeks to track the investment results of an index composed of U.S. Treasury bonds with remaining maturities between one and three years.

Full SHY 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.