Is TRFOX or SCHD a better dividend investment in 2026?

TRFOX currently yields 4.80% with a 5% 5-year dividend growth rate. SCHD yields 3.44% with 13.05% growth. The better choice depends on your goal: TRFOX offers higher current income.

What is the dividend yield difference between TRFOX and SCHD?

TRFOX has a forward dividend yield of 4.80% ($0.96/share annually). SCHD yields 3.44% ($1.06/share annually). The yield gap is 1.36 percentage points.

Home › Compare › TRFOX vs SCHD

TRFOX vs SCHD: Dividend Comparison 2026

TRFOX yields 4.80% · SCHD yields 3.44%● Live data

vsPost on X →

After 10 years · $10,000 invested · DRIP enabled

🏆 SCHD wins by $1.6K in total portfolio value

INVESTMENT

TIME HORIZON10 years

TRFOX

● Live price

4.80%

Share price

$19.97

Annual div

$0.96

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$27.4K

Annual income

$653.31

Full TRFOX calculator →

SCHD

Schwab U.S. Dividend Equity ETF

● Live price

3.44%

Share price

$30.68

Annual div

$1.06

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$29.0K

Annual income

$422.61

Full SCHD calculator →

Portfolio growth — TRFOX 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 Period	TRFOX	SCHD
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, TRFOX + SCHD cover 0 of 12 months — good coverage

Jan

—

Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

TRFOX 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.

TRFOX

Annual income on $10K today (after 15% tax)

$408.31/yr

After 10yr DRIP, annual income (after tax)

$555.31/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, TRFOX beats the other by $196.09/year in after-tax income after 10 years on $10,000

⚖️

Lazy Portfolio Split Optimizer

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

TRFOX: 50%SCHD: 50%

100% SCHD50/50100% TRFOX

Portfolio after 10yr

$28.2K

Annual income

$537.96/yr

Blended yield

1.91%

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Analyst Conviction Gap

Where Wall Street is most bullish on TRFOX right now

TRFOX

Analyst Ratings

Buy

Hold

Consensus: Buy

Altman Z

0.5

Piotroski

8/9

SCHD

No analyst data

Analyst ratings via FMP. Altman Z-Score: >3.0 safe, 1.81–3.0 grey zone, <1.81 distress. Piotroski: 7–9 strong, 0–3 weak.

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Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

TRFOX buys

SCHD buys

No recent congressional trades found for TRFOX or SCHD in the last 90 days.

STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →

MetricTRFOXSCHD

Forward yield	4.80% ✓	3.44%
Annual dividend / share	$0.96	$1.06 ✓
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	0%	0%
Portfolio after 10y	$27.4K	$29.0K ✓
Annual income after 10y	$653.31 ✓	$422.61
Total dividends collected	$5.7K ✓	$3.9K
Payment frequency	quarterly	quarterly
Sector	Stock	ETF

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

Year	TRFOX Portfolio	TRFOX Income/yr	SCHD Portfolio	SCHD Income/yr	Gap
1← crossover	$11,180	$480.37	$11,224	$344.10	$44.00 → SCHD
2	$12,465	$501.94	$12,567	$354.98	$102.00 → SCHD
3	$13,860	$523.00	$14,038	$365.30	$178.00 → SCHD
4	$15,374	$543.50	$15,648	$375.06	$274.00 → SCHD
5	$17,014	$563.42	$17,410	$384.27	$396.00 → SCHD
6	$18,788	$582.72	$19,335	$392.95	$547.00 → SCHD
7	$20,704	$601.37	$21,437	$401.10	$733.00 → SCHD
8	$22,773	$619.36	$23,733	$408.75	$960.00 → SCHD
9	$25,003	$636.68	$26,237	$415.91	$1.2K → SCHD
10	$27,407	$653.31	$28,968	$422.61	$1.6K → SCHD

TRFOX vs SCHD: Complete Analysis 2026

TRFOX — Stock

The fund pursues its objective by investing in a diversified portfolio of other T. Rowe Price stock and bond mutual funds that represent various asset classes and sectors. It is managed based on the specific retirement year (target date 2050) included in its name and assumes a retirement age of 65. The target date refers to the approximate year an investor in the fund would plan to retire and likely stop making new investments in the fund.

Full TRFOX 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.