Is CBMSX or SCHD a better dividend investment in 2026?

CBMSX currently yields 6.54% with a 5% 5-year dividend growth rate. SCHD yields 3.46% with 13.05% growth. The better choice depends on your goal: CBMSX offers higher current income.

What is the dividend yield difference between CBMSX and SCHD?

CBMSX has a forward dividend yield of 6.54% ($2.00/share annually). SCHD yields 3.46% ($1.06/share annually). The yield gap is 3.08 percentage points.

Home › Compare › CBMSX vs SCHD

CBMSX vs SCHD: Dividend Comparison 2026

CBMSX yields 6.54% · SCHD yields 3.46%● Live data

vsPost on X →

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

🏆 CBMSX wins by $1.8K in total portfolio value

INVESTMENT

TIME HORIZON10 years

CBMSX

● Live price

6.54%

Share price

$30.59

Annual div

$2.00

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$30.8K

Annual income

$991.02

Full CBMSX 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 — CBMSX vs SCHD

📍 CBMSX 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	CBMSX	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, CBMSX + 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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CBMSX 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.

CBMSX

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

$555.74/yr

After 10yr DRIP, annual income (after tax)

$842.37/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, CBMSX beats the other by $480.31/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 CBMSX + SCHD for your $10,000?

CBMSX: 50%SCHD: 50%

100% SCHD50/50100% CBMSX

Portfolio after 10yr

$29.9K

Annual income

$708.48/yr

Blended yield

2.37%

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Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

CBMSX 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 →

MetricCBMSXSCHD

Forward yield	6.54% ✓	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	$30.8K ✓	$29.0K
Annual income after 10y	$991.02 ✓	$425.95
Total dividends collected	$8.3K ✓	$3.9K
Payment frequency	quarterly	quarterly
Sector	Stock	ETF

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

Year	CBMSX Portfolio	CBMSX Income/yr	SCHD Portfolio	SCHD Income/yr	Gap
1← crossover	$11,354	$653.81	$11,226	$346.36	+$128.00 → CBMSX
2	$12,842	$693.76	$12,572	$357.38	+$270.00 → CBMSX
3	$14,475	$733.38	$14,046	$367.84	+$429.00 → CBMSX
4	$16,260	$772.52	$15,660	$377.73	+$600.00 → CBMSX
5	$18,210	$811.05	$17,425	$387.07	+$785.00 → CBMSX
6	$20,333	$848.86	$19,354	$395.86	+$979.00 → CBMSX
7	$22,642	$885.84	$21,461	$404.13	+$1.2K → CBMSX
8	$25,149	$921.91	$23,762	$411.89	+$1.4K → CBMSX
9	$27,867	$956.99	$26,272	$419.15	+$1.6K → CBMSX
10	$30,808	$991.02	$29,010	$425.95	+$1.8K → CBMSX

CBMSX vs SCHD: Complete Analysis 2026

CBMSX — Stock

Under normal circumstances, the fund invests at least 80% of its net assets in equity securities of medium-capitalization companies. It invests principally in equity securities of medium-capitalization companies, which the managers define as securities of companies with market capitalization within the range of the Russell Midcap® Index at the time of purchase.

Full CBMSX 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.