Is AFSIM or SCHD a better dividend investment in 2026?

AFSIM currently yields 13.09% with a 5% 5-year dividend growth rate. SCHD yields 3.46% with 13.05% growth. The better choice depends on your goal: AFSIM offers higher current income.

What is the dividend yield difference between AFSIM and SCHD?

AFSIM has a forward dividend yield of 13.09% ($1.94/share annually). SCHD yields 3.46% ($1.06/share annually). The yield gap is 9.63 percentage points.

Home › Compare › AFSIM vs SCHD

AFSIM vs SCHD: Dividend Comparison 2026

AFSIM yields 13.09% · SCHD yields 3.46%● Live data

vsPost on X →

After 10 years · $10,000 invested · DRIP enabled

🏆 AFSIM wins by $18.3K in total portfolio value

INVESTMENT

TIME HORIZON10 years

AFSIM

● Live price

13.09%

Share price

$14.80

Annual div

$1.94

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$47.3K

Annual income

$2,954.26

Full AFSIM calculator →

SCHD

Schwab U.S. Dividend Equity ETF

● Live price

3.46%

Share price

$30.48

Annual div

$1.06

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$29.0K

Annual income

$425.95

Full SCHD calculator →

Portfolio growth — AFSIM vs SCHD

📍 AFSIM 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 Period	AFSIM	SCHD
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, AFSIM + SCHD cover 0 of 12 months — good coverage

Jan

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Feb

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Mar

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Apr

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May

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Jun

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Jul

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Aug

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Sep

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Oct

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Nov

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Dec

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AFSIM 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.

AFSIM

Annual income on $10K today (after 15% tax)

$1,112.76/yr

After 10yr DRIP, annual income (after tax)

$2,511.12/yr

SCHD

Annual income on $10K today (after 15% tax)

$294.40/yr

After 10yr DRIP, annual income (after tax)

$362.06/yr

At 15% tax rate, AFSIM beats the other by $2,149.06/year in after-tax income after 10 years on $10,000

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Lazy Portfolio Split Optimizer

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

AFSIM: 50%SCHD: 50%

100% SCHD50/50100% AFSIM

Portfolio after 10yr

$38.2K

Annual income

$1,690.10/yr

Blended yield

4.43%

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Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

AFSIM buys

SCHD buys

Politician	Chamber	Ticker	Type	Amount	Date
Virginia Foxx	🏢 House	$SCHD	▼ Sell	$50,001 - $100,000	2023-03-08
Steve Cohen	🏢 House	$SCHD	▲ Buy	$50,001 - $100,000	2022-07-29
Hakeem S. Jeffries	🏢 House	$SCHD	▲ Buy	$15,001 - $50,000	2021-04-12
Mikie Sherrill	🏢 House	$SCHD	▲ Buy	$100,001 - $250,000	2020-02-21

STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →

MetricAFSIMSCHD

Forward yield	13.09% ✓	3.46%
Annual dividend / share	$1.94 ✓	$1.06
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	0%	0%
Portfolio after 10y	$47.3K ✓	$29.0K
Annual income after 10y	$2,954.26 ✓	$425.95
Total dividends collected	$21.0K ✓	$3.9K
Payment frequency	quarterly	quarterly
Sector	Stock	ETF

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

Year	AFSIM Portfolio	AFSIM Income/yr	SCHD Portfolio	SCHD Income/yr	Gap
1← crossover	$12,009	$1,309.14	$11,226	$346.36	+$783.00 → AFSIM
2	$14,319	$1,469.31	$12,572	$357.38	+$1.7K → AFSIM
3	$16,959	$1,637.31	$14,046	$367.84	+$2.9K → AFSIM
4	$19,958	$1,812.29	$15,660	$377.73	+$4.3K → AFSIM
5	$23,348	$1,993.28	$17,425	$387.07	+$5.9K → AFSIM
6	$27,162	$2,179.34	$19,354	$395.86	+$7.8K → AFSIM
7	$31,433	$2,369.45	$21,461	$404.13	+$10.0K → AFSIM
8	$36,196	$2,562.62	$23,762	$411.89	+$12.4K → AFSIM
9	$41,488	$2,757.87	$26,272	$419.15	+$15.2K → AFSIM
10	$47,346	$2,954.26	$29,010	$425.95	+$18.3K → AFSIM

AFSIM vs SCHD: Complete Analysis 2026

AFSIM — Stock

AmTrust Financial Services, Inc. operates as a property and casualty company. It offers automobile, commercial auto liability, liability, products liability, marine, inland marine, multi-peril, commercial multiple peril (liability portion), workers' compensation, and other property and casualty insurance. It was founded in 1998 and is headquartered in New York, New York.

Full AFSIM Calculator →

SCHD — ETF

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.