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TDSC vs SCHD: Dividend Comparison 2026

TDSC yields 2.17% · SCHD yields 3.46%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 SCHD wins by $6.1K in total portfolio value
10 years
TDSC
TDSC
● Live price
2.17%
Share price
$26.00
Annual div
$0.56
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$22.9K
Annual income
$249.43
Full TDSC 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 — TDSC 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 PeriodTDSCSCHD
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, TDSC + SCHD cover 0 of 12 monthsgood coverage

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

Tax Bracket Optimizer

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

TDSC
Annual income on $10K today (after 15% tax)
$184.29/yr
After 10yr DRIP, annual income (after tax)
$212.02/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 $150.04/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

TDSC: 50%SCHD: 50%
100% SCHD50/50100% TDSC
Portfolio after 10yr
$25.9K
Annual income
$337.68/yr
Blended yield
1.30%
🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

TDSC buys
0
SCHD buys
0
No recent congressional trades found for TDSC or SCHD in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricTDSCSCHD
Forward yield2.17%3.46%
Annual dividend / share$0.56$1.06
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR0%0%
Portfolio after 10y$22.9K$29.0K
Annual income after 10y$249.43$425.95
Total dividends collected$2.3K$3.9K
Payment frequencyquarterlyquarterly
SectorStockETF

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

YearTDSC PortfolioTDSC Income/yrSCHD PortfolioSCHD Income/yrGap
1← crossover$10,917$216.82$11,226$346.36$309.00SCHD
2$11,902$221.21$12,572$357.38$670.00SCHD
3$12,961$225.40$14,046$367.84$1.1KSCHD
4$14,097$229.39$15,660$377.73$1.6KSCHD
5$15,317$233.18$17,425$387.07$2.1KSCHD
6$16,626$236.79$19,354$395.86$2.7KSCHD
7$18,030$240.21$21,461$404.13$3.4KSCHD
8$19,536$243.45$23,762$411.89$4.2KSCHD
9$21,150$246.52$26,272$419.15$5.1KSCHD
10$22,880$249.43$29,010$425.95$6.1KSCHD

TDSC vs SCHD: Complete Analysis 2026

TDSCStock

The fund is an actively managed exchange-traded fund (“ETF”) that seeks to achieve its investment objective with limited volatility and reduced correlation to the overall performance of the equity markets by allocating its assets among the following five major asset classes – equities, fixed income securities, real estate, currencies, and commodities. The Sub-Adviser’s target drawdown for the fund is 10%; however, there can be no assurance, and the fund, the Adviser, and the Sub-Adviser do not represent or guarantee, that this target will be maintained.

Full TDSC 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.