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TBT vs SCHD: Dividend Comparison 2026

TBT yields 2.95% · SCHD yields 3.44%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 SCHD wins by $4.8K in total portfolio value
10 years
TBT
TBT
● Live price
2.95%
Share price
$35.14
Annual div
$1.04
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$24.1K
Annual income
$356.83
Full TBT 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 — TBT 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 PeriodTBTSCHD
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, TBT + SCHD cover 0 of 12 months — good coverage

Jan
—
Feb
—
Mar
—
Apr
—
May
—
Jun
—
Jul
—
Aug
—
Sep
—
Oct
—
Nov
—
Dec
—
TBT 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.

TBT
Annual income on $10K today (after 15% tax)
$250.78/yr
After 10yr DRIP, annual income (after tax)
$303.31/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, SCHD beats the other by $55.91/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

TBT: 50%SCHD: 50%
100% SCHD50/50100% TBT
Portfolio after 10yr
$26.6K
Annual income
$389.71/yr
Blended yield
1.47%
🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

TBT buys
0
SCHD buys
0
PoliticianChamberTickerTypeAmountDate
Pat Toomey🏛 Senate$TBT▼ Sell$1,001 - $15,0002018-09-25
Pat Toomey🏛 Senate$TBT▼ Sell$1,001 - $15,0002018-09-14
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricTBTSCHD
Forward yield2.95%3.44% ✓
Annual dividend / share$1.04$1.06 ✓
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR0%0%
Portfolio after 10y$24.1K$29.0K ✓
Annual income after 10y$356.83$422.61 ✓
Total dividends collected$3.3K$3.9K ✓
Payment frequencyquarterlyquarterly
SectorStockETF

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

YearTBT PortfolioTBT Income/yrSCHD PortfolioSCHD Income/yrGap
1← crossover$10,995$295.04$11,224$344.10$229.00 → SCHD
2$12,068$303.18$12,567$354.98$499.00 → SCHD
3$13,224$310.99$14,038$365.30$814.00 → SCHD
4$14,468$318.48$15,648$375.06$1.2K → SCHD
5$15,806$325.65$17,410$384.27$1.6K → SCHD
6$17,245$332.50$19,335$392.95$2.1K → SCHD
7$18,791$339.03$21,437$401.10$2.6K → SCHD
8$20,452$345.26$23,733$408.75$3.3K → SCHD
9$22,235$351.19$26,237$415.91$4.0K → SCHD
10$24,148$356.83$28,968$422.61$4.8K → SCHD

TBT vs SCHD: Complete Analysis 2026

TBT — Stock

ProShares UltraShort 20+ Year Treasury seeks daily investment results, before fees and expenses, that correspond to two times the inverse (-2x) of the daily performance of the ICE U.S. Treasury 20+ Year Bond Index.

Full TBT 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.