HomeCompareXSW vs SCHD

XSW vs SCHD: Dividend Comparison 2026

XSW yields 0.05% · SCHD yields 3.46%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 SCHD wins by $9.3K in total portfolio value
10 years
XSW
XSW
● Live price
0.05%
Share price
$141.98
Annual div
$0.07
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$19.7K
Annual income
$4.67
Full XSW 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 — XSW 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 PeriodXSWSCHD
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, XSW + SCHD cover 0 of 12 monthsgood coverage

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

Tax Bracket Optimizer

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

XSW
Annual income on $10K today (after 15% tax)
$3.96/yr
After 10yr DRIP, annual income (after tax)
$3.97/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 $358.09/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

XSW: 50%SCHD: 50%
100% SCHD50/50100% XSW
Portfolio after 10yr
$24.4K
Annual income
$215.31/yr
Blended yield
0.88%
🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

XSW buys
0
SCHD buys
0
No recent congressional trades found for XSW or SCHD in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricXSWSCHD
Forward yield0.05%3.46%
Annual dividend / share$0.07$1.06
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR0%0%
Portfolio after 10y$19.7K$29.0K
Annual income after 10y$4.67$425.95
Total dividends collected$47.00$3.9K
Payment frequencyquarterlyquarterly
SectorStockETF

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

YearXSW PortfolioXSW Income/yrSCHD PortfolioSCHD Income/yrGap
1← crossover$10,705$4.66$11,226$346.36$521.00SCHD
2$11,459$4.66$12,572$357.38$1.1KSCHD
3$12,265$4.66$14,046$367.84$1.8KSCHD
4$13,129$4.66$15,660$377.73$2.5KSCHD
5$14,052$4.67$17,425$387.07$3.4KSCHD
6$15,041$4.67$19,354$395.86$4.3KSCHD
7$16,098$4.67$21,461$404.13$5.4KSCHD
8$17,230$4.67$23,762$411.89$6.5KSCHD
9$18,440$4.67$26,272$419.15$7.8KSCHD
10$19,736$4.67$29,010$425.95$9.3KSCHD

XSW vs SCHD: Complete Analysis 2026

XSWStock

The State Street SPDR S&P Software & Services ETF seeks to provide investment results that, before fees and expenses, correspond generally to the total return performance of the S&P Software & Services Select Industry Index (the "Index")Seeks to provide exposure to the software and services segment of the S&P TMI, which comprises the following sub-industries: Application Software, Interactive Home Entertainment, IT Consulting & Other Services, and Systems Software. Seeks 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 XSW 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.