HomeCompareXHB vs SCHD

XHB vs SCHD: Dividend Comparison 2026

XHB yields 0.73% · SCHD yields 3.46%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 SCHD wins by $8.3K in total portfolio value
10 years
XHB
XHB
● Live price
0.73%
Share price
$97.01
Annual div
$0.71
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$20.7K
Annual income
$76.37
Full XHB 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 — XHB 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 PeriodXHBSCHD
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, XHB + SCHD cover 0 of 12 monthsgood coverage

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

Tax Bracket Optimizer

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

XHB
Annual income on $10K today (after 15% tax)
$61.91/yr
After 10yr DRIP, annual income (after tax)
$64.91/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 $297.14/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

XHB: 50%SCHD: 50%
100% SCHD50/50100% XHB
Portfolio after 10yr
$24.9K
Annual income
$251.15/yr
Blended yield
1.01%
🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

XHB buys
0
SCHD buys
0
No recent congressional trades found for XHB or SCHD in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricXHBSCHD
Forward yield0.73%3.46%
Annual dividend / share$0.71$1.06
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR0%0%
Portfolio after 10y$20.7K$29.0K
Annual income after 10y$76.37$425.95
Total dividends collected$747.00$3.9K
Payment frequencyquarterlyquarterly
SectorStockETF

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

YearXHB PortfolioXHB Income/yrSCHD PortfolioSCHD Income/yrGap
1← crossover$10,773$72.84$11,226$346.36$453.00SCHD
2$11,600$73.33$12,572$357.38$972.00SCHD
3$12,486$73.80$14,046$367.84$1.6KSCHD
4$13,434$74.24$15,660$377.73$2.2KSCHD
5$14,449$74.65$17,425$387.07$3.0KSCHD
6$15,536$75.04$19,354$395.86$3.8KSCHD
7$16,699$75.40$21,461$404.13$4.8KSCHD
8$17,943$75.74$23,762$411.89$5.8KSCHD
9$19,276$76.07$26,272$419.15$7.0KSCHD
10$20,701$76.37$29,010$425.95$8.3KSCHD

XHB vs SCHD: Complete Analysis 2026

XHBStock

The State Street SPDR S&P Homebuilders ETF seeks to provide investment results that, before fees and expenses, correspond generally to the total return performance of the S&PHomebuilders Select Industry Index (the "Index")Seeks to provide exposure to the homebuilders segment of the S&P TMI, comprising the Homebuilding sub-industry, and may include exposure to the Building Products, Home Furnishings, Home Improvement Retail, Homefurnishing Retail, and Household Appliances sub-industriesSeeks to track a modified equal weighted index which provides the potential for unconcentrated industry exposure across large, mid and small cap stocksAllows investors to take strategic or tactical positions at a more targeted level than traditional sector based investing

Full XHB Calculator →

SCHDETF

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.