HomeCompareSPTL vs SCHD

SPTL vs SCHD: Dividend Comparison 2026

SPTL yields 4.14% · SCHD yields 3.46%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 SCHD wins by $2.8K in total portfolio value
10 years
SPTL
SPTL
● Live price
4.14%
Share price
$26.36
Annual div
$1.09
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$26.2K
Annual income
$540.26
Full SPTL 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 — SPTL 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 PeriodSPTLSCHD
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, SPTL + SCHD cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
SPTL pays
SCHD pays
Both pay
Neither
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Tax Bracket Optimizer

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

SPTL
Annual income on $10K today (after 15% tax)
$352.05/yr
After 10yr DRIP, annual income (after tax)
$459.22/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, SPTL beats the other by $97.16/year in after-tax income after 10 years on $10,000
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Lazy Portfolio Split Optimizer

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

SPTL: 50%SCHD: 50%
100% SCHD50/50100% SPTL
Portfolio after 10yr
$27.6K
Annual income
$483.10/yr
Blended yield
1.75%
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Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

SPTL buys
0
SCHD buys
0
No recent congressional trades found for SPTL or SCHD in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricSPTLSCHD
Forward yield4.14%3.46%
Annual dividend / share$1.09$1.06
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR0%0%
Portfolio after 10y$26.2K$29.0K
Annual income after 10y$540.26$425.95
Total dividends collected$4.8K$3.9K
Payment frequencyquarterlyquarterly
SectorStockETF

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

YearSPTL PortfolioSPTL Income/yrSCHD PortfolioSCHD Income/yrGap
1← crossover$11,114$414.18$11,226$346.36$112.00SCHD
2$12,322$430.21$12,572$357.38$250.00SCHD
3$13,631$445.77$14,046$367.84$415.00SCHD
4$15,046$460.84$15,660$377.73$614.00SCHD
5$16,574$475.40$17,425$387.07$851.00SCHD
6$18,224$489.44$19,354$395.86$1.1KSCHD
7$20,003$502.95$21,461$404.13$1.5KSCHD
8$21,919$515.92$23,762$411.89$1.8KSCHD
9$23,981$528.36$26,272$419.15$2.3KSCHD
10$26,200$540.26$29,010$425.95$2.8KSCHD

SPTL vs SCHD: Complete Analysis 2026

SPTLStock

The State Street SPDR Portfolio Long Term Treasury ETF seeks to provide investment results that, before fees and expenses, correspond generally to the price and yield performance of the Bloomberg Long U.S. Treasury Index (the "Index")One of the low cost core State Street SPDR Portfolio ETFs, a suite of portfolio building blocks designed to provide broad, diversified exposure to core asset classesA low cost ETF that seeks to offer precise, comprehensive exposure to US Treasuries with remaining maturities of 10 or more yearsMay be more sensitive to interest rate fluctuations than vehicles with shorter duration, and is market cap weighted and reconstituted on the last business day of the month

Full SPTL Calculator →

SCHDETF

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.