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TOTR vs SCHD: Dividend Comparison 2026

TOTR yields 5.35% · SCHD yields 3.44%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 SCHD wins by $520.00 in total portfolio value· pulled ahead in Year 5
10 years
TOTR
TOTR
● Live price
5.35%
Share price
$40.12
Annual div
$2.15
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$28.4K
Annual income
$753.78
Full TOTR 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 — TOTR 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 PeriodTOTRSCHD
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, TOTR + SCHD cover 0 of 12 months — good coverage

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

Tax Bracket Optimizer

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

TOTR
Annual income on $10K today (after 15% tax)
$455.11/yr
After 10yr DRIP, annual income (after tax)
$640.71/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, TOTR beats the other by $281.49/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

TOTR: 50%SCHD: 50%
100% SCHD50/50100% TOTR
Portfolio after 10yr
$28.7K
Annual income
$588.19/yr
Blended yield
2.05%
🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

TOTR buys
0
SCHD buys
0
No recent congressional trades found for TOTR or SCHD in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricTOTRSCHD
Forward yield5.35% ✓3.44%
Annual dividend / share$2.15 ✓$1.06
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR0%0%
Portfolio after 10y$28.4K$29.0K ✓
Annual income after 10y$753.78 ✓$422.61
Total dividends collected$6.5K ✓$3.9K
Payment frequencyquarterlyquarterly
SectorStockETF

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

YearTOTR PortfolioTOTR Income/yrSCHD PortfolioSCHD Income/yrGap
1$11,235$535.42$11,224$344.10+$11.00 → TOTR
2$12,584$562.21$12,567$354.98+$17.00 → TOTR
3$14,053$588.50$14,038$365.30+$15.00 → TOTR
4$15,651$614.22$15,648$375.06+$3.00 → TOTR
5← crossover$17,386$639.31$17,410$384.27$24.00 → SCHD
6$19,267$663.72$19,335$392.95$68.00 → SCHD
7$21,303$687.40$21,437$401.10$134.00 → SCHD
8$23,505$710.32$23,733$408.75$228.00 → SCHD
9$25,883$732.45$26,237$415.91$354.00 → SCHD
10$28,448$753.78$28,968$422.61$520.00 → SCHD

TOTR vs SCHD: Complete Analysis 2026

TOTR — Stock

The fund seeks to maximize total return through income and, secondarily, capital appreciation.

Full TOTR 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.