HomeCompareTERCF vs SCHD

TERCF vs SCHD: Dividend Comparison 2026

TERCF yields 40.00% · SCHD yields 3.46%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 TERCF wins by $4.50M in total portfolio value
10 years
TERCF
TERCF
● Live price
40.00%
Share price
$0.08
Annual div
$0.03
5Y div CAGR
18.6%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$4.53M
Annual income
$2,390,640.54
Full TERCF 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 — TERCF vs SCHD

📍 TERCF 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 PeriodTERCFSCHD
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, TERCF + SCHD cover 0 of 12 monthsgood coverage

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

TERCF
Annual income on $10K today (after 15% tax)
$3,400.00/yr
After 10yr DRIP, annual income (after tax)
$2,032,044.46/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, TERCF beats the other by $2,031,682.40/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 TERCF + SCHD for your $10,000?

TERCF: 50%SCHD: 50%
100% SCHD50/50100% TERCF
Portfolio after 10yr
$2.28M
Annual income
$1,195,533.24/yr
Blended yield
52.49%
🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

TERCF buys
0
SCHD buys
3
PoliticianChamberTickerTypeAmountDate
Virginia Foxx🏢 House$SCHD▼ Sell$50,001 - $100,0002023-03-08
Steve Cohen🏢 House$SCHD▲ Buy$50,001 - $100,0002022-07-29
Hakeem S. Jeffries🏢 House$SCHD▲ Buy$15,001 - $50,0002021-04-12
Mikie Sherrill🏢 House$SCHD▲ Buy$100,001 - $250,0002020-02-21
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricTERCFSCHD
Forward yield40.00%3.46%
Annual dividend / share$0.03$1.06
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR18.6%0%
Portfolio after 10y$4.53M$29.0K
Annual income after 10y$2,390,640.54$425.95
Total dividends collected$4.24M$3.9K
Payment frequencyquarterlyquarterly
SectorStockETF

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

YearTERCF PortfolioTERCF Income/yrSCHD PortfolioSCHD Income/yrGap
1← crossover$15,444$4,744.00$11,226$346.36+$4.2KTERCF
2$24,646$8,120.92$12,572$357.38+$12.1KTERCF
3$40,736$14,364.58$14,046$367.84+$26.7KTERCF
4$69,904$26,316.23$15,660$377.73+$54.2KTERCF
5$124,852$50,055.01$17,425$387.07+$107.4KTERCF
6$232,685$99,093.24$19,354$395.86+$213.3KTERCF
7$453,673$204,700.03$21,461$404.13+$432.2KTERCF
8$927,808$442,378.12$23,762$411.89+$904.0KTERCF
9$1,995,544$1,002,790.03$26,272$419.15+$1.97MTERCF
10$4,525,873$2,390,640.54$29,010$425.95+$4.50MTERCF

TERCF vs SCHD: Complete Analysis 2026

TERCFStock

TerraCom Limited engages in the exploration and extraction of coal in Australia and South Africa. The company explores for hard and soft coking, thermal, and PCI coal. Its flagship property is the Blair Athol coal mine located in Clermont, Queensland. The company also holds interests in the Northern Galilee project comprising the Hughenden and the Pentland properties covering an area of approximately 2,160 square kilometers; the Clyde Park project that covers an area of approximately 133 square kilometers located in the Galilee Basin, Queensland; and the Springsure project covering an area of approximately 1,178 square kilometers located in the Central-Western Bowen basin coal mining district, Queensland. In addition, it holds interests in the Kangala Colliery property; the New Clydesdale Colliery project; the Berenice project; the Ubuntu Colliery; the North Block Complex Colliery project; the Arnot South; the Cygnus project; and the Eloff project located in South Africa. The company was formerly known as Guildford Coal Limited and changed its name to TerraCom Limited in November 2015. TerraCom Limited was founded in 2009 and is based in Clermont, Australia.

Full TERCF 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.