What if you started SCHD DCA from its inception?
This uses real data to show what would have happened if you had invested KRW 300,000 a month for over a decade in SCHD — a dividend-growth ETF popular with Korean investors — starting around its October 2011 inception. We honestly examine the path of dividends and long-term DCA.
⚠️ Know the risk first
Dividend stocks also fall in downturns. This span had 2018, 2020, and 2022 corrections, with the value swinging each time. The result only holds if you kept investing.
What happened that day
SCHD is a U.S. dividend-growth ETF listed in October 2011, known for holding quality companies that have steadily raised dividends, and popular with Korean investors. Investing from inception makes it a decade-plus of long-term DCA.
Why this date
We use SCHD's clearly dated inception (October 2011) as a DCA start, computing 'what if you invested steadily from inception.' It's not a chase of a specific low or high.
Investment conditions
Asset · SCHD (dividend-growth ETF) · KRW 300,000 monthly DCA
Method · Recurring monthly investment
Period · 2011-10-20 ~ 2026-07-01
Amount · $222 / month
As of · 2026-07-01
Key metrics
These results do not reflect taxes. Based on historical data.
Risk & recovery
As important as returns. This service does not hide maximum drawdown or loss periods.
Maximum drawdown (MDD)
-32.8%
Largest drop from peak
Longest loss period
1months
Months in loss: 2
Recovery period
4months
Growth over time
Invested principal (dashed) and portfolio value (solid). Values below match the calculation.
Total invested $39,556 → Final value $105,434 (+166.6%), Maximum drawdown (MDD) -32.8%
Why this period and asset
SCHD is a U.S. dividend-growth ETF listed in October 2011, known for holding quality companies that have steadily raised dividends, and popular with Korean investors too. Plainly investing monthly from inception makes it a decade-plus of long-term DCA. This case shows the long-term path of investing steadily from a memorable point — the inception — rather than chasing a specific high or low.
Interpreting the result
Long-term DCA passes through many corrections and recoveries. Read the final value versus total contributed and the maximum drawdown below together. This span included the 2018 correction, the 2020 COVID crash, and the 2022 downturn, and the value swung each time. Dividends are reflected under a reinvestment assumption (adjusted close), but having dividends does not make price declines disappear. The final number rests on 'if you kept investing through those corrections.'
Caveats & limits
Having dividends does not remove loss risk. Dividend stocks also fall in downturns, and this span had several corrections. This calculation uses adjusted close (dividend-reinvestment assumption), which can differ from actually spending cash dividends or paying dividend tax. Always review the maximum drawdown and loss periods. Figures exclude exchange rates, fees, and taxes and are pre-tax, and past results do not guarantee the future.
Event fact sources
- Charles Schwab — SCHD fund inception (2011-10-20)
- Morningstar, SCHD fund profile
Requested date vs actual trading date
If the event date is a holiday, contributions begin on the next trading day. The 'effective trading date' below is the date actually used.
Data sources & limits
- Price data source: Yahoo Finance / FinanceDataReader
- Collected on: 2026-07-28
- Effective trading date: 2026-07-01
- Price basis: Adjusted close (reflects dividends and stock splits)
- Trading fees and taxes are not reflected — figures are pre-tax.
- Based on historical data; does not guarantee future returns.
Frequently asked questions
Is it safe because it's a dividend stock?
No. Even with dividends, prices fall in downturns. This span had 2018, 2020, and 2022 corrections, with the value swinging each time. Dividends can cushion losses but do not remove them.
How are dividends reflected?
This calculation uses adjusted close, assuming dividends are reinvested. If you actually spend dividends as cash or pay dividend tax, the result can differ.
Why use inception as the start point?
SCHD's inception (October 2011) is a clearly dated milestone, good for computing 'what if you invested steadily from inception.' It's a memorable start, not a chase of a specific low or high.
Are FX and taxes reflected?
No. Exchange rates, trading fees, and dividend taxes are not reflected — figures are pre-tax. This page only shows historical data and recommends no product.
Related scenarios
📋 Results are based on historical data; past returns do not guarantee future returns.
📋 This service is provided for educational purposes to help you understand investing, not as investment advice.