Is SCHD or VYM a better dividend investment in 2026?

SCHD currently yields 3.44% with a 13.05% 5-year dividend growth rate. VYM yields 2.39% with 7.8% growth. The better choice depends on your goal: SCHD offers higher current income.

What is the dividend yield difference between SCHD and VYM?

SCHD has a forward dividend yield of 3.44% ($1.06/share annually). VYM yields 2.39% ($3.51/share annually). The yield gap is 1.05 percentage points.

Home › Compare › SCHD vs VYM

SCHD vs VYM: Dividend Comparison 2026

SCHD yields 3.44% · VYM yields 2.39%● Live data

vsPost on X →

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

🏆 SCHD wins by $1.2K in total portfolio value

INVESTMENT

TIME HORIZON10 years

SCHD

Schwab U.S. Dividend Equity ETF

● Live price

3.44%

Share price

$30.71

Annual div

$1.06

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$29.0K

Annual income

$422.19

Full SCHD calculator →

VYM

Vanguard High Dividend Yield ETF

● Live price

2.39%

Share price

$147.21

Annual div

$3.51

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$27.8K

Annual income

$274.83

Full VYM calculator →

Portfolio growth — SCHD vs VYM

📍 SCHD pulled ahead of the other in Year 1

Annual dividend income

🛡️

Recession Test — Did They Cut Dividends?

How each stock treated shareholders during the 3 biggest crises of the last 20 years

Crisis Period	SCHD	VYM
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%.

📅

Dividend Calendar Overlap

Combined, SCHD + VYM cover 0 of 12 months — good coverage

Jan

—

Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

SCHD pays

VYM pays

Both pay

Neither

💰

Tax Bracket Optimizer

Which stock is actually better after tax? Adjust your rate to find out.

SCHD

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

$292.25/yr

After 10yr DRIP, annual income (after tax)

$358.86/yr

VYM

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

$202.82/yr

After 10yr DRIP, annual income (after tax)

$233.61/yr

At 15% tax rate, SCHD beats the other by $125.26/year in after-tax income after 10 years on $10,000

⚖️

Lazy Portfolio Split Optimizer

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

SCHD: 50%VYM: 50%

100% VYM50/50100% SCHD

Portfolio after 10yr

$28.4K

Annual income

$348.51/yr

Blended yield

1.23%

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

SCHD buys

VYM buys

Politician	Chamber	Ticker	Type	Amount	Date
Virginia Foxx	🏢 House	$SCHD	▼ Sell	$50,001 - $100,000	2023-03-08
Carol Devine Miller	🏢 House	$VYM	▲ Buy	$15,001 - $50,000	2022-11-02
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 →

MetricSCHDVYM

Forward yield	3.44% ✓	2.39%
Annual dividend / share	$1.06	$3.51 ✓
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	0%	0%
Portfolio after 10y	$29.0K ✓	$27.8K
Annual income after 10y	$422.19 ✓	$274.83
Total dividends collected	$3.9K ✓	$2.6K
Payment frequency	quarterly	quarterly
Sector	ETF	ETF

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

Year	SCHD Portfolio	SCHD Income/yr	VYM Portfolio	VYM Income/yr	Gap
1← crossover	$11,224	$343.82	$11,149	$238.61	+$75.00 → SCHD
2	$12,566	$354.69	$12,407	$243.83	+$159.00 → SCHD
3	$14,037	$364.99	$13,785	$248.72	+$252.00 → SCHD
4	$15,647	$374.73	$15,292	$253.29	+$355.00 → SCHD
5	$17,408	$383.93	$16,942	$257.56	+$466.00 → SCHD
6	$19,332	$392.58	$18,745	$261.53	+$587.00 → SCHD
7	$21,434	$400.72	$20,716	$265.23	+$718.00 → SCHD
8	$23,729	$408.36	$22,870	$268.67	+$859.00 → SCHD
9	$26,233	$415.51	$25,223	$271.87	+$1.0K → SCHD
10	$28,963	$422.19	$27,793	$274.83	+$1.2K → SCHD

SCHD vs VYM: Complete Analysis 2026

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 →

VYM — ETF

Seeks to track the performance of the FTSE High Dividend Yield Index, which measures the investment return of common stocks of companies characterized by high dividend yields. Provides a convenient way to track the performance of stocks that are forecasted to have above-average dividend yields. Follows a passively managed, full-replication approach.

Full VYM Calculator →

📬

Get this SCHD vs VYM comparison by email

Save your analysis + weekly dividend insights. Free forever.

More comparisons

SCHD vs JEPI SCHD vs DGRO SCHD vs VIG SCHD vs HDV SCHD vs DVY

⚠️ Educational purposes only. Not financial advice. Congressional trades sourced from SEC STOCK Act filings via FMP. Past performance does not guarantee future results.