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UYG vs SCHD: Dividend Comparison 2026

UYG yields 14.56% · SCHD yields 3.44%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 UYG wins by $23.0K in total portfolio value
10 years
UYG
UYG
● Live price
14.56%
Share price
$73.41
Annual div
$10.69
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$52.0K
Annual income
$3,585.16
Full UYG 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 — UYG vs SCHD

📍 UYG 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 PeriodUYGSCHD
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, UYG + SCHD cover 0 of 12 months — good coverage

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

Tax Bracket Optimizer

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

UYG
Annual income on $10K today (after 15% tax)
$1,237.91/yr
After 10yr DRIP, annual income (after tax)
$3,047.39/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, UYG beats the other by $2,688.17/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

UYG: 50%SCHD: 50%
100% SCHD50/50100% UYG
Portfolio after 10yr
$40.5K
Annual income
$2,003.88/yr
Blended yield
4.95%
🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

UYG buys
0
SCHD buys
0
No recent congressional trades found for UYG or SCHD in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricUYGSCHD
Forward yield14.56% ✓3.44%
Annual dividend / share$10.69 ✓$1.06
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR0%0%
Portfolio after 10y$52.0K ✓$29.0K
Annual income after 10y$3,585.16 ✓$422.61
Total dividends collected$24.7K ✓$3.9K
Payment frequencyquarterlyquarterly
SectorStockETF

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

YearUYG PortfolioUYG Income/yrSCHD PortfolioSCHD Income/yrGap
1← crossover$12,156$1,456.37$11,224$344.10+$932.00 → UYG
2$14,662$1,654.59$12,567$354.98+$2.1K → UYG
3$17,553$1,865.06$14,038$365.30+$3.5K → UYG
4$20,869$2,086.79$15,648$375.06+$5.2K → UYG
5$24,648$2,318.64$17,410$384.27+$7.2K → UYG
6$28,933$2,559.40$19,335$392.95+$9.6K → UYG
7$33,766$2,807.78$21,437$401.10+$12.3K → UYG
8$39,192$3,062.43$23,733$408.75+$15.5K → UYG
9$45,258$3,322.01$26,237$415.91+$19.0K → UYG
10$52,011$3,585.16$28,968$422.61+$23.0K → UYG

UYG vs SCHD: Complete Analysis 2026

UYG — Stock

ProShares Ultra Financials seeks daily investment results, before fees and expenses, that correspond to two times (2x) the daily performance of the S&P Financial Select SectorSM Index.

Full UYG 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.