Is XONE or SCHD a better dividend investment in 2026?

XONE currently yields 4.20% with a 5% 5-year dividend growth rate. SCHD yields 3.44% with 13.05% growth. The better choice depends on your goal: XONE offers higher current income.

What is the dividend yield difference between XONE and SCHD?

XONE has a forward dividend yield of 4.20% ($2.08/share annually). SCHD yields 3.44% ($1.06/share annually). The yield gap is 0.76 percentage points.

Home › Compare › XONE vs SCHD

XONE vs SCHD: Dividend Comparison 2026

XONE yields 4.20% · SCHD yields 3.44%● Live data

vsPost on X →

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

🏆 SCHD wins by $2.7K in total portfolio value

INVESTMENT

TIME HORIZON10 years

XONE

● Live price

4.20%

Share price

$49.52

Annual div

$2.08

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$26.3K

Annual income

$550.25

Full XONE calculator →

SCHD

Schwab U.S. Dividend Equity ETF

● Live price

3.44%

Share price

$30.68

Annual div

$1.06

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$29.0K

Annual income

$422.61

Full SCHD calculator →

Portfolio growth — XONE 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	XONE	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, XONE + SCHD cover 0 of 12 months — good coverage

Jan

—

Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

XONE pays

SCHD pays

Both pay

Neither

💰

Tax Bracket Optimizer

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

XONE

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

$357.19/yr

After 10yr DRIP, annual income (after tax)

$467.71/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, XONE beats the other by $108.49/year in after-tax income after 10 years on $10,000

⚖️

Lazy Portfolio Split Optimizer

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

XONE: 50%SCHD: 50%

100% SCHD50/50100% XONE

Portfolio after 10yr

$27.6K

Annual income

$486.43/yr

Blended yield

1.76%

📊

Analyst Conviction Gap

Where Wall Street is most bullish on XONE right now

XONE

Analyst Ratings

Buy

Hold

Sell

Consensus: Hold

Altman Z

19.1

Piotroski

4/9

SCHD

No analyst data

Analyst ratings via FMP. Altman Z-Score: >3.0 safe, 1.81–3.0 grey zone, <1.81 distress. Piotroski: 7–9 strong, 0–3 weak.

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

XONE buys

SCHD buys

No recent congressional trades found for XONE or SCHD in the last 90 days.

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

MetricXONESCHD

Forward yield	4.20% ✓	3.44%
Annual dividend / share	$2.08 ✓	$1.06
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	0%	0%
Portfolio after 10y	$26.3K	$29.0K ✓
Annual income after 10y	$550.25 ✓	$422.61
Total dividends collected	$4.9K ✓	$3.9K
Payment frequency	quarterly	quarterly
Sector	Stock	ETF

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

Year	XONE Portfolio	XONE Income/yr	SCHD Portfolio	SCHD Income/yr	Gap
1← crossover	$11,120	$420.23	$11,224	$344.10	$104.00 → SCHD
2	$12,335	$436.73	$12,567	$354.98	$232.00 → SCHD
3	$13,652	$452.76	$14,038	$365.30	$386.00 → SCHD
4	$15,076	$468.29	$15,648	$375.06	$572.00 → SCHD
5	$16,614	$483.30	$17,410	$384.27	$796.00 → SCHD
6	$18,275	$497.78	$19,335	$392.95	$1.1K → SCHD
7	$20,066	$511.72	$21,437	$401.10	$1.4K → SCHD
8	$21,996	$525.11	$23,733	$408.75	$1.7K → SCHD
9	$24,073	$537.96	$26,237	$415.91	$2.2K → SCHD
10	$26,309	$550.25	$28,968	$422.61	$2.7K → SCHD

XONE vs SCHD: Complete Analysis 2026

XONE — Stock

The investment seeks to track the investment results of the Bloomberg US Treasury 1 Year Duration Index composed of U.S. Treasury securities with a duration between 6 and 18 months. Under normal circumstances, the fund will invest at least 80% of its net assets (plus the amount of any borrowings for investment purposes) in a portfolio of U.S. Treasury securities that collectively have an average duration of approximately 1 year, either directly or indirectly (e.g., through derivatives). It is non-diversified.

Full XONE 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 XONE vs SCHD comparison by email

Save your analysis + weekly dividend insights. Free forever.

More comparisons

XONE vs JEPI XONE vs O XONE vs KO XONE vs MAIN XONE vs VYM XONE vs DGRO XONE vs VIG XONE 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.