Is USRT or SCHD a better dividend investment in 2026?

USRT currently yields 2.93% with a 5% 5-year dividend growth rate. SCHD yields 3.46% with 13.05% growth. The better choice depends on your goal: SCHD offers higher current income.

What is the dividend yield difference between USRT and SCHD?

USRT has a forward dividend yield of 2.93% ($1.71/share annually). SCHD yields 3.46% ($1.06/share annually). The yield gap is 0.53 percentage points.

Home › Compare › USRT vs SCHD

USRT vs SCHD: Dividend Comparison 2026

USRT yields 2.93% · SCHD yields 3.46%● Live data

vsPost on X →

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

🏆 SCHD wins by $4.9K in total portfolio value

INVESTMENT

TIME HORIZON10 years

USRT

● Live price

2.93%

Share price

$58.36

Annual div

$1.71

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$24.1K

Annual income

$353.69

Full USRT calculator →

SCHD

Schwab U.S. Dividend Equity ETF

● Live price

3.46%

Share price

$30.48

Annual div

$1.06

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$29.0K

Annual income

$425.95

Full SCHD calculator →

Portfolio growth — USRT vs SCHD

📍 SCHD pulled ahead of the other in Year 1

Annual dividend income

🛡️

Recession Test — Did They Cut Dividends?

How each stock treated shareholders during the 3 biggest crises of the last 20 years

Crisis Period	USRT	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%.

📅

Dividend Calendar Overlap

Combined, USRT + SCHD cover 0 of 12 months — good coverage

Jan

—

Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

USRT pays

SCHD pays

Both pay

Neither

💰

Tax Bracket Optimizer

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

USRT

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

$248.93/yr

After 10yr DRIP, annual income (after tax)

$300.64/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 $61.42/year in after-tax income after 10 years on $10,000

⚖️

Lazy Portfolio Split Optimizer

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

USRT: 50%SCHD: 50%

100% SCHD50/50100% USRT

Portfolio after 10yr

$26.6K

Annual income

$389.82/yr

Blended yield

1.47%

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

USRT buys

SCHD buys

Politician	Chamber	Ticker	Type	Amount	Date
Virginia Foxx	🏢 House	$SCHD	▼ Sell	$50,001 - $100,000	2023-03-08
Steve Cohen	🏢 House	$SCHD	▲ Buy	$50,001 - $100,000	2022-07-29
Hakeem S. Jeffries	🏢 House	$SCHD	▲ Buy	$15,001 - $50,000	2021-04-12
Mikie Sherrill	🏢 House	$SCHD	▲ Buy	$100,001 - $250,000	2020-02-21

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

MetricUSRTSCHD

Forward yield	2.93%	3.46% ✓
Annual dividend / share	$1.71 ✓	$1.06
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	0%	0%
Portfolio after 10y	$24.1K	$29.0K ✓
Annual income after 10y	$353.69	$425.95 ✓
Total dividends collected	$3.3K	$3.9K ✓
Payment frequency	quarterly	quarterly
Sector	Stock	ETF

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

Year	USRT Portfolio	USRT Income/yr	SCHD Portfolio	SCHD Income/yr	Gap
1← crossover	$10,993	$292.85	$11,226	$346.36	$233.00 → SCHD
2	$12,063	$300.87	$12,572	$357.38	$509.00 → SCHD
3	$13,216	$308.57	$14,046	$367.84	$830.00 → SCHD
4	$14,457	$315.94	$15,660	$377.73	$1.2K → SCHD
5	$15,792	$323.00	$17,425	$387.07	$1.6K → SCHD
6	$17,228	$329.75	$19,354	$395.86	$2.1K → SCHD
7	$18,770	$336.18	$21,461	$404.13	$2.7K → SCHD
8	$20,426	$342.31	$23,762	$411.89	$3.3K → SCHD
9	$22,204	$348.15	$26,272	$419.15	$4.1K → SCHD
10	$24,112	$353.69	$29,010	$425.95	$4.9K → SCHD

USRT vs SCHD: Complete Analysis 2026

USRT — Stock

The iShares Core U.S. REIT ETF seeks to track the investment results of an index composed of U.S. real estate equities.

Full USRT 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 →

📬

Get this USRT vs SCHD comparison by email

Save your analysis + weekly dividend insights. Free forever.

More comparisons

USRT vs JEPI USRT vs O USRT vs KO USRT vs MAIN USRT vs VYM USRT vs DGRO USRT vs VIG USRT vs HDV

⚠️ Educational purposes only. Not financial advice. Congressional trades sourced from SEC STOCK Act filings via FMP. Past performance does not guarantee future results.