Is ZIONO or SCHD a better dividend investment in 2026?

ZIONO currently yields 9.93% with a 5% 5-year dividend growth rate. SCHD yields 3.46% with 13.05% growth. The better choice depends on your goal: ZIONO offers higher current income.

What is the dividend yield difference between ZIONO and SCHD?

ZIONO has a forward dividend yield of 9.93% ($2.49/share annually). SCHD yields 3.46% ($1.06/share annually). The yield gap is 6.47 percentage points.

Home › Compare › ZIONO vs SCHD

ZIONO vs SCHD: Dividend Comparison 2026

ZIONO yields 9.93% · SCHD yields 3.46%● Live data

vsPost on X →

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

🏆 ZIONO wins by $49.2K in total portfolio value

INVESTMENT

TIME HORIZON10 years

ZIONO

● Live price

9.93%

Share price

$25.04

Annual div

$2.49

5Y div CAGR

14.7%

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$78.2K

Annual income

$12,973.85

Full ZIONO 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 — ZIONO vs SCHD

📍 ZIONO 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	ZIONO	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, ZIONO + 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

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Nov

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Dec

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ZIONO 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.

ZIONO

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

$843.71/yr

After 10yr DRIP, annual income (after tax)

$11,027.77/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, ZIONO beats the other by $10,665.71/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 ZIONO + SCHD for your $10,000?

ZIONO: 50%SCHD: 50%

100% SCHD50/50100% ZIONO

Portfolio after 10yr

$53.6K

Annual income

$6,699.89/yr

Blended yield

12.50%

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

ZIONO buys

SCHD buys

Politician	Chamber	Ticker	Type	Amount	Date
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 →

MetricZIONOSCHD

Forward yield	9.93% ✓	3.46%
Annual dividend / share	$2.49 ✓	$1.06
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	14.7% ✓	0%
Portfolio after 10y	$78.2K ✓	$29.0K
Annual income after 10y	$12,973.85 ✓	$425.95
Total dividends collected	$48.9K ✓	$3.9K
Payment frequency	quarterly	quarterly
Sector	Stock	ETF

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

Year	ZIONO Portfolio	ZIONO Income/yr	SCHD Portfolio	SCHD Income/yr	Gap
1← crossover	$11,839	$1,138.51	$11,226	$346.36	+$613.00 → ZIONO
2	$14,112	$1,444.82	$12,572	$357.38	+$1.5K → ZIONO
3	$16,946	$1,846.23	$14,046	$367.84	+$2.9K → ZIONO
4	$20,509	$2,376.55	$15,660	$377.73	+$4.8K → ZIONO
5	$25,028	$3,083.17	$17,425	$387.07	+$7.6K → ZIONO
6	$30,813	$4,033.26	$19,354	$395.86	+$11.5K → ZIONO
7	$38,293	$5,322.89	$21,461	$404.13	+$16.8K → ZIONO
8	$48,064	$7,091.05	$23,762	$411.89	+$24.3K → ZIONO
9	$60,970	$9,541.06	$26,272	$419.15	+$34.7K → ZIONO
10	$78,211	$12,973.85	$29,010	$425.95	+$49.2K → ZIONO

ZIONO vs SCHD: Complete Analysis 2026

ZIONO — Stock

Zions Bancorporation, National Association provides various banking and related services primarily in the states of Arizona, California, Colorado, Idaho, Nevada, New Mexico, Oregon, Texas, Utah, Washington, and Wyoming. The company offers corporate banking services; commercial banking, including a focus on small- and medium-sized businesses; commercial real estate banking services; municipal and public finance services; retail banking, including residential mortgages; trust services; wealth management and private client banking services; and capital markets products and services. As of December 31, 2020, it operated 422 branches, which included 273 owned and 149 leased. The company was formerly known as ZB, National Association and changed its name to Zions Bancorporation, National Association in September 2018. Zions Bancorporation, National Association was founded in 1873 and is headquartered in Salt Lake City, Utah.

Full ZIONO 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.