Is XTWO or SCHD a better dividend investment in 2026?

XTWO currently yields 4.10% with a 5% 5-year dividend growth rate. SCHD yields 3.46% with 13.05% growth. The better choice depends on your goal: XTWO offers higher current income.

What is the dividend yield difference between XTWO and SCHD?

XTWO has a forward dividend yield of 4.10% ($2.02/share annually). SCHD yields 3.46% ($1.06/share annually). The yield gap is 0.64 percentage points.

Home › Compare › XTWO vs SCHD

XTWO vs SCHD: Dividend Comparison 2026

XTWO yields 4.10% · SCHD yields 3.46%● Live data

vsPost on X →

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

🏆 SCHD wins by $2.9K in total portfolio value

INVESTMENT

TIME HORIZON10 years

XTWO

● Live price

4.10%

Share price

$49.25

Annual div

$2.02

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$26.1K

Annual income

$533.32

Full XTWO 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 — XTWO 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 Period	XTWO	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, XTWO + SCHD cover 0 of 12 months — good coverage

Jan

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Feb

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Mar

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Apr

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May

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Jun

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Jul

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Aug

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Sep

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Oct

—

Nov

—

Dec

—

XTWO pays

SCHD pays

Both pay

Neither

💰

Tax Bracket Optimizer

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

XTWO

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

$348.45/yr

After 10yr DRIP, annual income (after tax)

$453.32/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, XTWO beats the other by $91.26/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 XTWO + SCHD for your $10,000?

XTWO: 50%SCHD: 50%

100% SCHD50/50100% XTWO

Portfolio after 10yr

$27.6K

Annual income

$479.63/yr

Blended yield

1.74%

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Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

XTWO buys

SCHD buys

Politician	Chamber	Ticker	Type	Amount	Date
John Boozman	🏛 Senate	$XTWO	▲ Buy	$15,001 - $50,000	2026-02-06
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 →

MetricXTWOSCHD

Forward yield	4.10% ✓	3.46%
Annual dividend / share	$2.02 ✓	$1.06
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	0%	0%
Portfolio after 10y	$26.1K	$29.0K ✓
Annual income after 10y	$533.32 ✓	$425.95
Total dividends collected	$4.7K ✓	$3.9K
Payment frequency	quarterly	quarterly
Sector	Stock	ETF

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

Year	XTWO Portfolio	XTWO Income/yr	SCHD Portfolio	SCHD Income/yr	Gap
1← crossover	$11,110	$409.95	$11,226	$346.36	$116.00 → SCHD
2	$12,313	$425.65	$12,572	$357.38	$259.00 → SCHD
3	$13,616	$440.89	$14,046	$367.84	$430.00 → SCHD
4	$15,025	$455.65	$15,660	$377.73	$635.00 → SCHD
5	$16,547	$469.90	$17,425	$387.07	$878.00 → SCHD
6	$18,188	$483.63	$19,354	$395.86	$1.2K → SCHD
7	$19,958	$496.84	$21,461	$404.13	$1.5K → SCHD
8	$21,865	$509.53	$23,762	$411.89	$1.9K → SCHD
9	$23,917	$521.68	$26,272	$419.15	$2.4K → SCHD
10	$26,125	$533.32	$29,010	$425.95	$2.9K → SCHD

XTWO vs SCHD: Complete Analysis 2026

XTWO — Stock

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 2 years, either directly or indirectly (e.g., through derivatives). It is non-diversified.

Full XTWO 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.