SCHD Return Calculator
Live Schwab U.S. Dividend Equity ETF data, historical backtests since 2011, and a growth projection at its long-term average return.
About Schwab U.S. Dividend Equity ETF
SCHD is the Schwab U.S. Dividend Equity ETF, launched in October 2011. It tracks the Dow Jones U.S. Dividend 100 Index, which screens for companies with at least ten years of dividend payments and strong balance sheets, then holds around 100 of them. Its expense ratio is 0.06%.
- Launched
- October 20, 2011
- Tracks
- Dow Jones U.S. Dividend 100 Index
- Holdings
- ~100 dividend stocks
- Expense ratio
- 0.06%
Hypothetical growth
What an investment in SCHD could grow to if it keeps earning its long-term average return.
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Frequently asked questions
Does SCHD beat the S&P 500?+
Not consistently. SCHD kept pace with or beat the S&P 500 through much of the 2010s and outperformed in the 2022 bear market, but lagged badly during the 2023 to 2024 technology rally because it holds few tech stocks. Its appeal is income and lower volatility rather than maximum growth.
How often does SCHD pay dividends?+
Quarterly, usually in March, June, September and December. The returns on this page assume each payment was reinvested in more shares.
Does this SCHD calculator include dividends?+
Yes. All historical figures use SCHD's adjusted closing price, which accounts for stock splits and assumes every dividend was reinvested on the payment date. This is the standard way to measure total return.
Where does the SCHD price data come from?+
Historical and live prices for the ETF are fetched from a market data feed and cached for one hour, so the numbers on this page track the current market with at most a short delay. The backtest uses daily data for periods under five years and weekly data for longer periods.
What annual return does the hypothetical growth section use?+
It starts at SCHD's actual average annual return over all available history (since 2011), the same figure as the "Since inception" row of the "If you invested" table. The "Losses and gains" section above it shows the longest stretch it stayed below a previous high and its best and worst calendar years, as a reminder of how uneven the ride to that average was. Past returns are not a forecast, so change the rate to test more conservative or optimistic scenarios. Remember that inflation of around 2% to 3% per year reduces the real purchasing power of any nominal projection.