Is XDIV or SCHD a better dividend investment in 2026?

XDIV currently yields 7.79% with a 5% 5-year dividend growth rate. SCHD yields 3.46% with 13.05% growth. The better choice depends on your goal: XDIV offers higher current income.

What is the dividend yield difference between XDIV and SCHD?

XDIV has a forward dividend yield of 7.79% ($2.00/share annually). SCHD yields 3.46% ($1.06/share annually). The yield gap is 4.33 percentage points.

Home › Compare › XDIV vs SCHD

XDIV vs SCHD: Dividend Comparison 2026

XDIV yields 7.79% · SCHD yields 3.46%● Live data

vsPost on X →

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

🏆 XDIV wins by $4.5K in total portfolio value

INVESTMENT

TIME HORIZON10 years

XDIV

● Live price

7.79%

Share price

$25.69

Annual div

$2.00

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$33.5K

Annual income

$1,274.67

Full XDIV 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 — XDIV vs SCHD

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

Jan

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Feb

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Mar

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Apr

—

May

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Jun

—

Jul

—

Aug

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Sep

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Oct

—

Nov

—

Dec

—

XDIV 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.

XDIV

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

$661.74/yr

After 10yr DRIP, annual income (after tax)

$1,083.47/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, XDIV beats the other by $721.41/year in after-tax income after 10 years on $10,000

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Lazy Portfolio Split Optimizer

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

XDIV: 50%SCHD: 50%

100% SCHD50/50100% XDIV

Portfolio after 10yr

$31.2K

Annual income

$850.30/yr

Blended yield

2.72%

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

XDIV 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 →

MetricXDIVSCHD

Forward yield	7.79% ✓	3.46%
Annual dividend / share	$2.00 ✓	$1.06
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	0%	0%
Portfolio after 10y	$33.5K ✓	$29.0K
Annual income after 10y	$1,274.67 ✓	$425.95
Total dividends collected	$10.3K ✓	$3.9K
Payment frequency	quarterly	quarterly
Sector	Stock	ETF

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

Year	XDIV Portfolio	XDIV Income/yr	SCHD Portfolio	SCHD Income/yr	Gap
1← crossover	$11,479	$778.51	$11,226	$346.36	+$253.00 → XDIV
2	$13,117	$835.16	$12,572	$357.38	+$545.00 → XDIV
3	$14,927	$891.95	$14,046	$367.84	+$881.00 → XDIV
4	$16,921	$948.63	$15,660	$377.73	+$1.3K → XDIV
5	$19,110	$1,004.97	$17,425	$387.07	+$1.7K → XDIV
6	$21,509	$1,060.75	$19,354	$395.86	+$2.2K → XDIV
7	$24,130	$1,115.78	$21,461	$404.13	+$2.7K → XDIV
8	$26,989	$1,169.87	$23,762	$411.89	+$3.2K → XDIV
9	$30,101	$1,222.88	$26,272	$419.15	+$3.8K → XDIV
10	$33,483	$1,274.67	$29,010	$425.95	+$4.5K → XDIV

XDIV vs SCHD: Complete Analysis 2026

XDIV — Stock

The Roundhill S&P 500 No Dividend Target ETF (“XDIV”) seeks to track the total return of the S&P 500 Index without paying distributions. XDIV is an actively-managed ETF.

Full XDIV 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.