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SWT vs SCHD: Dividend Comparison 2026

SWT yields 23.22% · SCHD yields 3.46%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 SCHD wins by $5.1K in total portfolio value· pulled ahead in Year 5
10 years
SWT
SWT
● Live price
23.22%
Share price
$51.06
Annual div
$11.85
5Y div CAGR
-50%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$23.9K
Annual income
$2.76
Full SWT 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 — SWT vs SCHD

📍 SCHD pulled ahead of the other in Year 5

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 PeriodSWTSCHD
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, SWT + SCHD cover 0 of 12 months — good coverage

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

Tax Bracket Optimizer

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

SWT
Annual income on $10K today (after 15% tax)
$1,973.43/yr
After 10yr DRIP, annual income (after tax)
$2.35/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, SCHD beats the other by $359.71/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

SWT: 50%SCHD: 50%
100% SCHD50/50100% SWT
Portfolio after 10yr
$26.5K
Annual income
$214.35/yr
Blended yield
0.81%
🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

SWT buys
0
SCHD buys
0
No recent congressional trades found for SWT or SCHD in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricSWTSCHD
Forward yield23.22% ✓3.46%
Annual dividend / share$11.85 ✓$1.06
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR-50%0% ✓
Portfolio after 10y$23.9K$29.0K ✓
Annual income after 10y$2.76$425.95 ✓
Total dividends collected$2.5K$3.9K ✓
Payment frequencyquarterlyquarterly
SectorStockETF

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

YearSWT PortfolioSWT Income/yrSCHD PortfolioSCHD Income/yrGap
1$11,861$1,160.84$11,226$346.36+$635.00 → SWT
2$13,334$643.39$12,572$357.38+$762.00 → SWT
3$14,606$338.00$14,046$367.84+$560.00 → SWT
4$15,801$173.01$15,660$377.73+$141.00 → SWT
5← crossover$16,995$87.46$17,425$387.07$430.00 → SCHD
6$18,228$43.96$19,354$395.86$1.1K → SCHD
7$19,527$22.03$21,461$404.13$1.9K → SCHD
8$20,904$11.03$23,762$411.89$2.9K → SCHD
9$22,373$5.52$26,272$419.15$3.9K → SCHD
10$23,942$2.76$29,010$425.95$5.1K → SCHD

SWT vs SCHD: Complete Analysis 2026

SWT — Stock

SWT is a dividend-paying stock. Use this calculator to estimate your future dividend income, DRIP compounding returns, and passive income potential from investing in SWT shares.

Full SWT 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.