HomeCompareCMTDF vs SCHD

CMTDF vs SCHD: Dividend Comparison 2026

CMTDF yields 3.31% · SCHD yields 3.46%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 SCHD wins by $7.0K in total portfolio value
10 years
CMTDF
CMTDF
● Live price
3.31%
Share price
$30.80
Annual div
$1.02
5Y div CAGR
-15.1%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$22.0K
Annual income
$71.82
Full CMTDF 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 — CMTDF 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 PeriodCMTDFSCHD
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, CMTDF + SCHD cover 0 of 12 monthsgood coverage

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

Tax Bracket Optimizer

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

CMTDF
Annual income on $10K today (after 15% tax)
$281.01/yr
After 10yr DRIP, annual income (after tax)
$61.05/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 $301.01/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

CMTDF: 50%SCHD: 50%
100% SCHD50/50100% CMTDF
Portfolio after 10yr
$25.5K
Annual income
$248.88/yr
Blended yield
0.98%
🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

CMTDF buys
0
SCHD buys
0
No recent congressional trades found for CMTDF or SCHD in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricCMTDFSCHD
Forward yield3.31%3.46%
Annual dividend / share$1.02$1.06
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR-15.1%0%
Portfolio after 10y$22.0K$29.0K
Annual income after 10y$71.82$425.95
Total dividends collected$1.6K$3.9K
Payment frequencyquarterlyquarterly
SectorStockETF

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

YearCMTDF PortfolioCMTDF Income/yrSCHD PortfolioSCHD Income/yrGap
1← crossover$10,981$280.68$11,226$346.36$245.00SCHD
2$11,994$244.55$12,572$357.38$578.00SCHD
3$13,045$211.94$14,046$367.84$1.0KSCHD
4$14,141$182.91$15,660$377.73$1.5KSCHD
5$15,289$157.32$17,425$387.07$2.1KSCHD
6$16,494$134.96$19,354$395.86$2.9KSCHD
7$17,764$115.52$21,461$404.13$3.7KSCHD
8$19,106$98.72$23,762$411.89$4.7KSCHD
9$20,528$84.25$26,272$419.15$5.7KSCHD
10$22,037$71.82$29,010$425.95$7.0KSCHD

CMTDF vs SCHD: Complete Analysis 2026

CMTDFStock

Sumitomo Mitsui Trust Holdings, Inc. operates as a trust bank in Japan and internationally. It offers supervising services for management strategies, and financial and human resource management; and general affairs, business process, corporate administration, operational process, risk, and compliance management services; and internal auditing services. The company also provides real estate brokerage, investment management, and investment advisory services for individual and corporate clients; high-level professional consulting services; loan guarantees and payment collection agency services; issuing credit cards; internet banking; securities administration and credit card services; and advanced financial instruments, such as leasing and credit services, and credit card financing services, as well as mortgage loans and managing private equity funds and related advisory services. In addition, it offers back-office services, such as business management and system administration for stock transfer agencies; clerical works, including managing shareholders registry and special accounts; custody and fund administration services; stock transfer agency services; asset management services; and retail total solution, marketing, and fiduciary services, as well as system development and maintenance. Further, the company provides facilities management, clerical work outsourcing, and leasing of buildings; consulting services related to digital transformation, data-analytics, and a range of research and studies; and evaluation of mutual funds, discretionary investment funds, and insurance products, as well as engages in trustee and temporary staffing businesses. The company was formerly known as Chuo Mitsui Trust Holdings, Inc. and changed its name to Sumitomo Mitsui Trust Holdings, Inc. in 2011. Sumitomo Mitsui Trust Holdings, Inc. was founded in 1924 and is headquartered in Tokyo, Japan.

Full CMTDF 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.