HomeCompareBTMSX vs SCHD

BTMSX vs SCHD: Dividend Comparison 2026

BTMSX yields 3.05% · SCHD yields 3.46%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 SCHD wins by $4.7K in total portfolio value
10 years
BTMSX
BTMSX
● Live price
3.05%
Share price
$10.03
Annual div
$0.31
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$24.3K
Annual income
$371.59
Full BTMSX 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 — BTMSX vs SCHD

📍 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 PeriodBTMSXSCHD
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, BTMSX + SCHD cover 0 of 12 monthsgood coverage

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

Tax Bracket Optimizer

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

BTMSX
Annual income on $10K today (after 15% tax)
$259.47/yr
After 10yr DRIP, annual income (after tax)
$315.85/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 $46.21/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

BTMSX: 50%SCHD: 50%
100% SCHD50/50100% BTMSX
Portfolio after 10yr
$26.7K
Annual income
$398.77/yr
Blended yield
1.50%
📊

Analyst Conviction Gap

Where Wall Street is split right now

BTMSX
No analyst data
Price Target
$26.00
+159.2% upside vs current
Range: $26.00 — $26.00
SCHD
No analyst data
Analyst ratings via FMP. Altman Z-Score: >3.0 safe, 1.81–3.0 grey zone, <1.81 distress. Piotroski: 7–9 strong, 0–3 weak.
🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

BTMSX buys
0
SCHD buys
0
No recent congressional trades found for BTMSX or SCHD in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricBTMSXSCHD
Forward yield3.05%3.46%
Annual dividend / share$0.31$1.06
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR0%0%
Portfolio after 10y$24.3K$29.0K
Annual income after 10y$371.59$425.95
Total dividends collected$3.4K$3.9K
Payment frequencyquarterlyquarterly
SectorStockETF

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

YearBTMSX PortfolioBTMSX Income/yrSCHD PortfolioSCHD Income/yrGap
1← crossover$11,005$305.25$11,226$346.36$221.00SCHD
2$12,090$313.96$12,572$357.38$482.00SCHD
3$13,258$322.33$14,046$367.84$788.00SCHD
4$14,517$330.37$15,660$377.73$1.1KSCHD
5$15,871$338.06$17,425$387.07$1.6KSCHD
6$17,327$345.42$19,354$395.86$2.0KSCHD
7$18,893$352.44$21,461$404.13$2.6KSCHD
8$20,574$359.14$23,762$411.89$3.2KSCHD
9$22,380$365.52$26,272$419.15$3.9KSCHD
10$24,318$371.59$29,010$425.95$4.7KSCHD

BTMSX vs SCHD: Complete Analysis 2026

BTMSXStock

The fund normally invests at least 80% of its net assets in municipal bonds and debentures, the income from which is exempt from federal income tax (including the federal alternative minimum tax ("AMT")). It invests in a broadly diversified portfolio of federally tax-exempt municipal obligations issued by governmental authorities throughout the U.S. and its territories. The fund may invest in all types of municipal obligations, including pre-refunded bonds, general obligation bonds, revenue bonds, and municipal lease participations.

Full BTMSX 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 →
📬

Get this BTMSX vs SCHD comparison by email

Save your analysis + weekly dividend insights. Free forever.

More comparisons

BTMSX vs JEPIBTMSX vs OBTMSX vs KOBTMSX vs MAINBTMSX vs VYMBTMSX vs DGROBTMSX vs VIGBTMSX 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.