Is CSM or SCHD a better dividend investment in 2026?

CSM currently yields 1.19% with a 5% 5-year dividend growth rate. SCHD yields 3.46% with 13.05% growth. The better choice depends on your goal: SCHD offers higher current income.

What is the dividend yield difference between CSM and SCHD?

CSM has a forward dividend yield of 1.19% ($0.87/share annually). SCHD yields 3.46% ($1.06/share annually). The yield gap is 2.27 percentage points.

Home › Compare › CSM vs SCHD

CSM vs SCHD: Dividend Comparison 2026

CSM yields 1.19% · SCHD yields 3.46%● Live data

vsPost on X →

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

🏆 SCHD wins by $7.6K in total portfolio value

INVESTMENT

TIME HORIZON10 years

CSM

● Live price

1.19%

Share price

$73.03

Annual div

$0.87

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$21.4K

Annual income

$128.47

Full CSM 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 — CSM 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 Period	CSM	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, CSM + SCHD cover 0 of 12 months — good coverage

Jan

—

Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

CSM pays

SCHD pays

Both pay

Neither

💰

Tax Bracket Optimizer

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

CSM

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

$101.09/yr

After 10yr DRIP, annual income (after tax)

$109.20/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 $252.86/year in after-tax income after 10 years on $10,000

⚖️

Lazy Portfolio Split Optimizer

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

CSM: 50%SCHD: 50%

100% SCHD50/50100% CSM

Portfolio after 10yr

$25.2K

Annual income

$277.20/yr

Blended yield

1.10%

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

CSM buys

SCHD buys

No recent congressional trades found for CSM or SCHD in the last 90 days.

STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →

MetricCSMSCHD

Forward yield	1.19%	3.46% ✓
Annual dividend / share	$0.87	$1.06 ✓
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	0%	0%
Portfolio after 10y	$21.4K	$29.0K ✓
Annual income after 10y	$128.47	$425.95 ✓
Total dividends collected	$1.2K	$3.9K ✓
Payment frequency	quarterly	quarterly
Sector	Stock	ETF

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

Year	CSM Portfolio	CSM Income/yr	SCHD Portfolio	SCHD Income/yr	Gap
1← crossover	$10,819	$118.93	$11,226	$346.36	$407.00 → SCHD
2	$11,697	$120.25	$12,572	$357.38	$875.00 → SCHD
3	$12,637	$121.50	$14,046	$367.84	$1.4K → SCHD
4	$13,644	$122.68	$15,660	$377.73	$2.0K → SCHD
5	$14,723	$123.79	$17,425	$387.07	$2.7K → SCHD
6	$15,878	$124.84	$19,354	$395.86	$3.5K → SCHD
7	$17,116	$125.83	$21,461	$404.13	$4.3K → SCHD
8	$18,440	$126.76	$23,762	$411.89	$5.3K → SCHD
9	$19,859	$127.64	$26,272	$419.15	$6.4K → SCHD
10	$21,378	$128.47	$29,010	$425.95	$7.6K → SCHD

CSM vs SCHD: Complete Analysis 2026

CSM — Stock

The fund invests in financial instruments that ProShare Advisors believes, in combination, should track the performance of the index. The index is designed to replicate an investment strategy that establishes either long or short positions in the stocks of 500 leading large-cap U.S. companies (the "Universe") by applying a rules-based ranking and weighting methodology. The fund is non-diversified.

Full CSM 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.