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BSMS vs SCHD: Dividend Comparison 2026

BSMS yields 2.80% · SCHD yields 3.46%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 SCHD wins by $5.1K in total portfolio value
10 years
BSMS
BSMS
● Live price
2.80%
Share price
$23.39
Annual div
$0.65
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$23.9K
Annual income
$334.82
Full BSMS calculator →
SCHD
Schwab U.S. Dividend Equity ETF
● Live price
3.46%
Share price
$30.48
Annual div
$1.06
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$29.0K
Annual income
$425.95
Full SCHD calculator →

Portfolio growth — BSMS vs SCHD

📍 SCHD 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 PeriodBSMSSCHD
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, BSMS + SCHD cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
BSMS pays
SCHD pays
Both pay
Neither
💰

Tax Bracket Optimizer

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

BSMS
Annual income on $10K today (after 15% tax)
$237.65/yr
After 10yr DRIP, annual income (after tax)
$284.60/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, SCHD beats the other by $77.46/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

BSMS: 50%SCHD: 50%
100% SCHD50/50100% BSMS
Portfolio after 10yr
$26.5K
Annual income
$380.38/yr
Blended yield
1.44%
🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

BSMS buys
0
SCHD buys
0
No recent congressional trades found for BSMS or SCHD in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricBSMSSCHD
Forward yield2.80%3.46%
Annual dividend / share$0.65$1.06
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR0%0%
Portfolio after 10y$23.9K$29.0K
Annual income after 10y$334.82$425.95
Total dividends collected$3.1K$3.9K
Payment frequencyquarterlyquarterly
SectorStockETF

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

YearBSMS PortfolioBSMS Income/yrSCHD PortfolioSCHD Income/yrGap
1← crossover$10,980$279.59$11,226$346.36$246.00SCHD
2$12,035$286.89$12,572$357.38$537.00SCHD
3$13,171$293.90$14,046$367.84$875.00SCHD
4$14,394$300.60$15,660$377.73$1.3KSCHD
5$15,709$307.02$17,425$387.07$1.7KSCHD
6$17,121$313.14$19,354$395.86$2.2KSCHD
7$18,639$318.97$21,461$404.13$2.8KSCHD
8$20,268$324.52$23,762$411.89$3.5KSCHD
9$22,017$329.80$26,272$419.15$4.3KSCHD
10$23,893$334.82$29,010$425.95$5.1KSCHD

BSMS vs SCHD: Complete Analysis 2026

BSMSStock

The Invesco BulletShares 2028 Municipal Bond ETF (Fund) is based on the Invesco BulletShares USD Municipal Bond 2028 Index (Index). The Fund will invest at least 80% of its total assets in municipal bonds that comprise the index. The Index seeks to measure the performance of a portfolio of US dollar-denominated municipal securities, issued by US state, state agencies, or local governments with effective maturities in 2028. The Fund does not purchase all of the securities in the Index; instead, the Fund utilizes a "sampling" methodology to seek to achieve its investment objective. The Fund and the Index are rebalanced monthly. The Fund has a designated year of maturity of 2028 and will terminate on or about Dec. 15, 2028. See the prospectus for more information.

Full BSMS Calculator →

SCHDETF

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.