What if you invested monthly in a Dividend-growth ETF (SCHD) for 10 years?
This calculates the result of investing a fixed amount monthly into SCHD, a leading US dividend-growth ETF, over 10 years using actual price data. It shows dividend reinvestment and defensive traits alongside the maximum drawdown and time underwater, not just returns.
Investment conditions
Asset · SCHD (US Dividend-growth ETF)
Method · Recurring monthly investment
Period · 2016-07-01 ~ 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)
-31.9%
Largest drop from peak
Longest loss period
1months
Months in loss: 2
Recovery period
2months
Growth over time
Invested principal (dashed) and portfolio value (solid). Values below match the calculation.
Total invested $26,889 → Final value $50,880 (+89.2%), Maximum drawdown (MDD) -31.9%
Why this period and asset
SCHD holds high-quality US companies with a track record of growing dividends. Listed in 2011, it became widely known among income-focused investors. This 10-year window (2016-2026) spans the late-2018 selloff, the 2020 COVID crash, and the 2022 rate-hike correction. In 2022, when growth stocks fell hard, dividend- and value-oriented assets held up comparatively better in some stretches. That was a feature of that particular period, however, and does not mean dividend stocks are always safe in downturns.
Interpreting the result
Investing the same amount each month buys more shares when prices are low and fewer when they are high. Assuming dividends are reinvested, the payouts add shares over time, layering on a compounding effect. Dividend-growth ETFs tend to be less volatile than growth stocks, so their maximum drawdown often looks shallower, but stretches of loss and the time needed to recover were still real. The key is to read the maximum drawdown, how long the position stayed below cost (time underwater), and the months to recovery together with the return figure on the results screen.
Caveats & limits
This calculation approximates a total-return view with dividends reinvested, but in reality dividend withholding tax (e.g., 15% US) and local taxes reduce what you actually receive. ETF expense ratios, trading fees, and USD/KRW exchange-rate moves also affect the outcome. Above all, past performance does not guarantee future results, and this page does not recommend buying any specific security.
Data sources & limits
- Price data source: Yahoo Finance / FinanceDataReader
- Collected on: 2026-07-23
- Effective trading date: 2026-07-01
- Price basis: 复权收盘价(已反映股息与拆股)
- Trading fees and taxes are not reflected — figures are pre-tax.
- Based on historical data; does not guarantee future returns.
Frequently asked questions
Does this result include dividends?
It approximates a total-return view with dividends reinvested. Because dividend tax is withheld when actually received, your after-tax proceeds may be lower than the figure shown.
How is dividend tax handled?
Taxes are not reflected in this calculation. US dividends are typically withheld at 15% and may be taxed locally as well, so real after-tax returns are lower. Rates vary by individual circumstances.
How does it compare with a growth ETF?
It depends on the period. Growth stocks sometimes lead in rallies, while dividend/value tilts had shallower drawdowns in sharp selloffs. Use the compare feature to view both assets side by side over the same window, including maximum drawdown.
Related scenarios
📋 结果基于历史数据计算,过去的收益不代表未来的收益。
📋 本服务旨在帮助理解投资、供教育之用,并非投资建议。