HomeCompareXSEP vs SCHD

XSEP vs SCHD: Dividend Comparison 2026

XSEP yields 4.82% · SCHD yields 3.46%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 SCHD wins by $1.6K in total portfolio value
10 years
XSEP
XSEP
● Live price
4.82%
Share price
$41.50
Annual div
$2.00
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$27.4K
Annual income
$656.18
Full XSEP 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 — XSEP 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 PeriodXSEPSCHD
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, XSEP + SCHD cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
XSEP 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.

XSEP
Annual income on $10K today (after 15% tax)
$409.69/yr
After 10yr DRIP, annual income (after tax)
$557.75/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, XSEP beats the other by $195.70/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

XSEP: 50%SCHD: 50%
100% SCHD50/50100% XSEP
Portfolio after 10yr
$28.2K
Annual income
$541.06/yr
Blended yield
1.92%
🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

XSEP buys
0
SCHD buys
0
No recent congressional trades found for XSEP or SCHD in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricXSEPSCHD
Forward yield4.82%3.46%
Annual dividend / share$2.00$1.06
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR0%0%
Portfolio after 10y$27.4K$29.0K
Annual income after 10y$656.18$425.95
Total dividends collected$5.7K$3.9K
Payment frequencyquarterlyquarterly
SectorStockETF

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

YearXSEP PortfolioXSEP Income/yrSCHD PortfolioSCHD Income/yrGap
1← crossover$11,182$481.99$11,226$346.36$44.00SCHD
2$12,468$503.70$12,572$357.38$104.00SCHD
3$13,866$524.90$14,046$367.84$180.00SCHD
4$15,382$545.55$15,660$377.73$278.00SCHD
5$17,025$565.61$17,425$387.07$400.00SCHD
6$18,801$585.05$19,354$395.86$553.00SCHD
7$20,721$603.84$21,461$404.13$740.00SCHD
8$22,794$621.97$23,762$411.89$968.00SCHD
9$25,029$639.41$26,272$419.15$1.2KSCHD
10$27,437$656.18$29,010$425.95$1.6KSCHD

XSEP vs SCHD: Complete Analysis 2026

XSEPStock

The investment objective of the FT Vest U.S. Equity Enhance & Moderate Buffer ETF - September (the "Fund") is to seek to provide investors with returns (before fees and expenses) of approximately twice any positive price return of the SPDR S&P 500 ETF Trust (the "Underlying ETF"), up to a predetermined upside cap of 9.58% while providing a buffer (before fees and expenses) against the first 15% of Underlying ETF losses, over the period from September 22, 2025 to September 18, 2026.

Full XSEP 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.