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XBB vs SCHD: Dividend Comparison 2026

XBB yields 5.37% · SCHD yields 3.46%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 SCHD wins by $524.00 in total portfolio value· pulled ahead in Year 5
10 years
XBB
XBB
● Live price
5.37%
Share price
$40.66
Annual div
$2.19
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$28.5K
Annual income
$757.51
Full XBB 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 — XBB 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 PeriodXBBSCHD
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, XBB + SCHD cover 0 of 12 months — good coverage

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

Tax Bracket Optimizer

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

XBB
Annual income on $10K today (after 15% tax)
$456.79/yr
After 10yr DRIP, annual income (after tax)
$643.88/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, XBB beats the other by $281.83/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

XBB: 50%SCHD: 50%
100% SCHD50/50100% XBB
Portfolio after 10yr
$28.7K
Annual income
$591.73/yr
Blended yield
2.06%
🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

XBB buys
0
SCHD buys
0
No recent congressional trades found for XBB or SCHD in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricXBBSCHD
Forward yield5.37% ✓3.46%
Annual dividend / share$2.19 ✓$1.06
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR0%0%
Portfolio after 10y$28.5K$29.0K ✓
Annual income after 10y$757.51 ✓$425.95
Total dividends collected$6.5K ✓$3.9K
Payment frequencyquarterlyquarterly
SectorStockETF

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

YearXBB PortfolioXBB Income/yrSCHD PortfolioSCHD Income/yrGap
1$11,237$537.40$11,226$346.36+$11.00 → XBB
2$12,588$564.39$12,572$357.38+$16.00 → XBB
3$14,060$590.88$14,046$367.84+$14.00 → XBB
4$15,662$616.80$15,660$377.73+$2.00 → XBB
5← crossover$17,400$642.09$17,425$387.07$25.00 → SCHD
6$19,285$666.69$19,354$395.86$69.00 → SCHD
7$21,325$690.56$21,461$404.13$136.00 → SCHD
8$23,531$713.67$23,762$411.89$231.00 → SCHD
9$25,915$736.00$26,272$419.15$357.00 → SCHD
10$28,486$757.51$29,010$425.95$524.00 → SCHD

XBB vs SCHD: Complete Analysis 2026

XBB — Stock

The fund will invest at least 80% of its net assets in high-yield, below-investment grade bonds denominated in U.S. dollars of corporate issuers, either directly or indirectly (e.g., through derivatives). It is non-diversified.

Full XBB 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.