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ZUSFF vs SCHD: Dividend Comparison 2026

ZUSFF yields 4.37% · SCHD yields 3.44%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 SCHD wins by $2.4K in total portfolio value
10 years
ZUSFF
ZUSFF
● Live price
4.37%
Share price
$46.87
Annual div
$2.05
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$26.6K
Annual income
$578.95
Full ZUSFF calculator →
SCHD
Schwab U.S. Dividend Equity ETF
● Live price
3.44%
Share price
$30.68
Annual div
$1.06
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$29.0K
Annual income
$422.61
Full SCHD calculator →

Portfolio growth — ZUSFF 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 PeriodZUSFFSCHD
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, ZUSFF + SCHD cover 0 of 12 monthsgood coverage

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

ZUSFF
Annual income on $10K today (after 15% tax)
$371.77/yr
After 10yr DRIP, annual income (after tax)
$492.11/yr
SCHD
Annual income on $10K today (after 15% tax)
$292.49/yr
After 10yr DRIP, annual income (after tax)
$359.22/yr
At 15% tax rate, ZUSFF beats the other by $132.89/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

ZUSFF: 50%SCHD: 50%
100% SCHD50/50100% ZUSFF
Portfolio after 10yr
$27.8K
Annual income
$500.78/yr
Blended yield
1.80%
🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

ZUSFF buys
0
SCHD buys
0
No recent congressional trades found for ZUSFF or SCHD in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricZUSFFSCHD
Forward yield4.37%3.44%
Annual dividend / share$2.05$1.06
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR0%0%
Portfolio after 10y$26.6K$29.0K
Annual income after 10y$578.95$422.61
Total dividends collected$5.1K$3.9K
Payment frequencyquarterlyquarterly
SectorStockETF

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

YearZUSFF PortfolioZUSFF Income/yrSCHD PortfolioSCHD Income/yrGap
1← crossover$11,137$437.38$11,224$344.10$87.00SCHD
2$12,372$455.26$12,567$354.98$195.00SCHD
3$13,711$472.65$14,038$365.30$327.00SCHD
4$15,160$489.53$15,648$375.06$488.00SCHD
5$16,727$505.86$17,410$384.27$683.00SCHD
6$18,420$521.64$19,335$392.95$915.00SCHD
7$20,246$536.84$21,437$401.10$1.2KSCHD
8$22,215$551.46$23,733$408.75$1.5KSCHD
9$24,335$565.50$26,237$415.91$1.9KSCHD
10$26,618$578.95$28,968$422.61$2.4KSCHD

ZUSFF vs SCHD: Complete Analysis 2026

ZUSFFStock

The fund provides exposure to US money market instruments and debt securities that include corporate and government bonds. The maturity of the funds investments are limited to one year or less. While it may invest in floating rate instruments, floating rate preferred shares, and other floating rate securities, the rate reset date should be no greater than one year and the term is no more than five years. As an actively managed fund, the portfolio managers can analyze market and financial data to make buy, sell, and hold decisions at their discretion.

Full ZUSFF 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.