Is BSMN or SCHD a better dividend investment in 2026?

BSMN currently yields 7.99% with a 5% 5-year dividend growth rate. SCHD yields 3.46% with 13.05% growth. The better choice depends on your goal: BSMN offers higher current income.

What is the dividend yield difference between BSMN and SCHD?

BSMN has a forward dividend yield of 7.99% ($2.00/share annually). SCHD yields 3.46% ($1.06/share annually). The yield gap is 4.53 percentage points.

Home › Compare › BSMN vs SCHD

BSMN vs SCHD: Dividend Comparison 2026

BSMN yields 7.99% · SCHD yields 3.46%● Live data

vsPost on X →

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

🏆 BSMN wins by $4.9K in total portfolio value

INVESTMENT

TIME HORIZON10 years

BSMN

● Live price

7.99%

Share price

$25.05

Annual div

$2.00

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$33.9K

Annual income

$1,323.73

Full BSMN 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 — BSMN vs SCHD

📍 BSMN 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	BSMN	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%.

📅

Dividend Calendar Overlap

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

Jan

—

Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

BSMN pays

SCHD pays

Both pay

Neither

💰

Tax Bracket Optimizer

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

BSMN

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

$678.78/yr

After 10yr DRIP, annual income (after tax)

$1,125.17/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, BSMN beats the other by $763.11/year in after-tax income after 10 years on $10,000

⚖️

Lazy Portfolio Split Optimizer

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

BSMN: 50%SCHD: 50%

100% SCHD50/50100% BSMN

Portfolio after 10yr

$31.5K

Annual income

$874.83/yr

Blended yield

2.78%

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

BSMN 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 →

MetricBSMNSCHD

Forward yield	7.99% ✓	3.46%
Annual dividend / share	$2.00 ✓	$1.06
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	0%	0%
Portfolio after 10y	$33.9K ✓	$29.0K
Annual income after 10y	$1,323.73 ✓	$425.95
Total dividends collected	$10.6K ✓	$3.9K
Payment frequency	quarterly	quarterly
Sector	Stock	ETF

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

Year	BSMN Portfolio	BSMN Income/yr	SCHD Portfolio	SCHD Income/yr	Gap
1← crossover	$11,499	$798.56	$11,226	$346.36	+$273.00 → BSMN
2	$13,162	$858.16	$12,572	$357.38	+$590.00 → BSMN
3	$15,001	$918.02	$14,046	$367.84	+$955.00 → BSMN
4	$17,029	$977.86	$15,660	$377.73	+$1.4K → BSMN
5	$19,258	$1,037.43	$17,425	$387.07	+$1.8K → BSMN
6	$21,703	$1,096.50	$19,354	$395.86	+$2.3K → BSMN
7	$24,377	$1,154.85	$21,461	$404.13	+$2.9K → BSMN
8	$27,296	$1,212.28	$23,762	$411.89	+$3.5K → BSMN
9	$30,475	$1,268.62	$26,272	$419.15	+$4.2K → BSMN
10	$33,932	$1,323.73	$29,010	$425.95	+$4.9K → BSMN

BSMN vs SCHD: Complete Analysis 2026

BSMN — Stock

The fund generally will invest at least 80% of its total assets in securities that comprise the underlying index. The underlying index seeks to measure the performance of a portfolio of U.S. dollar-denominated investment-grade municipal bonds with maturities or, in some cases, “effective maturities,” in the year 2023 (collectively, “2023 Bonds”). It is non-diversified.

Full BSMN 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 →

📬

Get this BSMN vs SCHD comparison by email

Save your analysis + weekly dividend insights. Free forever.

More comparisons

BSMN vs JEPI BSMN vs O BSMN vs KO BSMN vs MAIN BSMN vs VYM BSMN vs DGRO BSMN vs VIG BSMN vs HDV

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