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CSMD vs SCHD: Dividend Comparison 2026

CSMD yields 0.00% · SCHD yields 3.44%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 SCHD wins by $9.3K in total portfolio value
10 years
CSMD
CSMD
● Live price
0.00%
Share price
$30.71
Annual div
$0.00
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$19.7K
Annual income
$0.05
Full CSMD calculator →
SCHD
Schwab U.S. Dividend Equity ETF
● Live price
3.44%
Share price
$30.68
Annual div
$1.06
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$29.0K
Annual income
$422.61
Full SCHD calculator →

Portfolio growth — CSMD 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 PeriodCSMDSCHD
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, CSMD + SCHD cover 0 of 12 months — good coverage

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

Tax Bracket Optimizer

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

CSMD
Annual income on $10K today (after 15% tax)
$0.05/yr
After 10yr DRIP, annual income (after tax)
$0.04/yr
SCHD
Annual income on $10K today (after 15% tax)
$292.49/yr
After 10yr DRIP, annual income (after tax)
$359.22/yr
At 15% tax rate, SCHD beats the other by $359.18/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

CSMD: 50%SCHD: 50%
100% SCHD50/50100% CSMD
Portfolio after 10yr
$24.3K
Annual income
$211.33/yr
Blended yield
0.87%
🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

CSMD buys
0
SCHD buys
0
No recent congressional trades found for CSMD or SCHD in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricCSMDSCHD
Forward yield0.00%3.44% ✓
Annual dividend / share$0.00$1.06 ✓
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR0%0%
Portfolio after 10y$19.7K$29.0K ✓
Annual income after 10y$0.05$422.61 ✓
Total dividends collected$1.00$3.9K ✓
Payment frequencyquarterlyquarterly
SectorStockETF

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

YearCSMD PortfolioCSMD Income/yrSCHD PortfolioSCHD Income/yrGap
1← crossover$10,700$0.05$11,224$344.10$524.00 → SCHD
2$11,449$0.05$12,567$354.98$1.1K → SCHD
3$12,251$0.05$14,038$365.30$1.8K → SCHD
4$13,108$0.05$15,648$375.06$2.5K → SCHD
5$14,026$0.05$17,410$384.27$3.4K → SCHD
6$15,008$0.05$19,335$392.95$4.3K → SCHD
7$16,058$0.05$21,437$401.10$5.4K → SCHD
8$17,182$0.05$23,733$408.75$6.6K → SCHD
9$18,385$0.05$26,237$415.91$7.9K → SCHD
10$19,672$0.05$28,968$422.61$9.3K → SCHD

CSMD vs SCHD: Complete Analysis 2026

CSMD — Stock

The Congress SMid Growth ETF seeks long-term capital appreciation by investing in companies experiencing or expected to experience earnings growth.

Full CSMD 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.