HomeCompareZIONL vs SCHD

ZIONL vs SCHD: Dividend Comparison 2026

ZIONL yields 9.59% · SCHD yields 3.46%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 ZIONL wins by $45.8K in total portfolio value
10 years
ZIONL
ZIONL
● Live price
9.59%
Share price
$25.00
Annual div
$2.40
5Y div CAGR
14.7%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$74.8K
Annual income
$12,058.97
Full ZIONL 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 — ZIONL vs SCHD

📍 ZIONL 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 PeriodZIONLSCHD
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, ZIONL + SCHD cover 0 of 12 monthsgood coverage

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

ZIONL
Annual income on $10K today (after 15% tax)
$814.88/yr
After 10yr DRIP, annual income (after tax)
$10,250.12/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, ZIONL beats the other by $9,888.07/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 ZIONL + SCHD for your $10,000?

ZIONL: 50%SCHD: 50%
100% SCHD50/50100% ZIONL
Portfolio after 10yr
$51.9K
Annual income
$6,242.46/yr
Blended yield
12.02%
🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

ZIONL buys
0
SCHD buys
3
PoliticianChamberTickerTypeAmountDate
Virginia Foxx🏢 House$SCHD▼ Sell$50,001 - $100,0002023-03-08
Steve Cohen🏢 House$SCHD▲ Buy$50,001 - $100,0002022-07-29
Hakeem S. Jeffries🏢 House$SCHD▲ Buy$15,001 - $50,0002021-04-12
Mikie Sherrill🏢 House$SCHD▲ Buy$100,001 - $250,0002020-02-21
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricZIONLSCHD
Forward yield9.59%3.46%
Annual dividend / share$2.40$1.06
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR14.7%0%
Portfolio after 10y$74.8K$29.0K
Annual income after 10y$12,058.97$425.95
Total dividends collected$45.9K$3.9K
Payment frequencyquarterlyquarterly
SectorStockETF

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

YearZIONL PortfolioZIONL Income/yrSCHD PortfolioSCHD Income/yrGap
1← crossover$11,800$1,099.62$11,226$346.36+$574.00ZIONL
2$14,016$1,390.88$12,572$357.38+$1.4KZIONL
3$16,769$1,771.08$14,046$367.84+$2.7KZIONL
4$20,214$2,271.32$15,660$377.73+$4.6KZIONL
5$24,564$2,935.00$17,425$387.07+$7.1KZIONL
6$30,107$3,823.27$19,354$395.86+$10.8KZIONL
7$37,237$5,023.19$21,461$404.13+$15.8KZIONL
8$46,504$6,660.01$23,762$411.89+$22.7KZIONL
9$58,675$8,915.92$26,272$419.15+$32.4KZIONL
10$74,841$12,058.97$29,010$425.95+$45.8KZIONL

ZIONL vs SCHD: Complete Analysis 2026

ZIONLStock

Zions Bancorporation engages in the provision of banking and related services and offers commercial, retail banking and mortgage lending products & services. Its products involves personal banking services to individuals, including home mortgages, bankcard, other installment loans, home equity lines of credit, checking accounts, savings accounts, certificates of deposit of various types and maturities, trust services, safe deposit facilities, direct deposit, and Internet & mobile banking. The company was founded in April 1955 and is headquartered in Salt Lake City, UT.

Full ZIONL 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.