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SCHD Projections Show $2,000 Growing to $1 Million Over 54 Years at Historical Rate

The dividend-focused fund tracks a quality-screened index, reflecting broad adoption with more than $75 billion in assets.

Overview

  • The Schwab U.S. Dividend Equity ETF has reported a 12.3% average annual total return since its late-2011 launch.
  • At that rate, a $2,000 one-time investment would exceed $1 million in about 54 years, though such projections rely on returns continuing at the reported pace.
  • Adding contributions accelerates compounding, with $1,000 per year shortening the timeline to roughly 42 years and $2,000 per year to about 36 years.
  • The fund seeks to mirror the Dow Jones U.S. Dividend 100 Index, which screens for higher-yielding stocks with five-year dividend growth and strong financial metrics.
  • SCHD manages more than $75 billion, ranking as the second-largest dividend-focused ETF by assets.