HomeCompareERM vs SCHD

ERM vs SCHD: Dividend Comparison 2026

ERM yields 8.66% · SCHD yields 3.44%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 ERM wins by $6.5K in total portfolio value
10 years
ERM
ERM
● Live price
8.66%
Share price
$23.09
Annual div
$2.00
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$35.5K
Annual income
$1,496.60
Full ERM calculator →
SCHD
Schwab U.S. Dividend Equity ETF
● Live price
3.44%
Share price
$30.69
Annual div
$1.06
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$29.0K
Annual income
$422.44
Full SCHD calculator →

Portfolio growth — ERM vs SCHD

📍 ERM 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 PeriodERMSCHD
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, ERM + SCHD cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
ERM 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.

ERM
Annual income on $10K today (after 15% tax)
$736.25/yr
After 10yr DRIP, annual income (after tax)
$1,272.11/yr
SCHD
Annual income on $10K today (after 15% tax)
$292.39/yr
After 10yr DRIP, annual income (after tax)
$359.07/yr
At 15% tax rate, ERM beats the other by $913.04/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 ERM + SCHD for your $10,000?

ERM: 50%SCHD: 50%
100% SCHD50/50100% ERM
Portfolio after 10yr
$32.2K
Annual income
$959.52/yr
Blended yield
2.98%
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Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

ERM buys
0
SCHD buys
3
PoliticianChamberTickerTypeAmountDate
Virginia Foxx🏢 House$SCHD▼ Sell$50,001 - $100,0002023-03-08
Steve Cohen🏢 House$SCHD▲ Buy$50,001 - $100,0002022-07-29
Hakeem S. Jeffries🏢 House$SCHD▲ Buy$15,001 - $50,0002021-04-12
Mikie Sherrill🏢 House$SCHD▲ Buy$100,001 - $250,0002020-02-21
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricERMSCHD
Forward yield8.66%3.44%
Annual dividend / share$2.00$1.06
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR0%0%
Portfolio after 10y$35.5K$29.0K
Annual income after 10y$1,496.60$422.44
Total dividends collected$11.8K$3.9K
Payment frequencyquarterlyquarterly
SectorStockETF

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

YearERM PortfolioERM Income/yrSCHD PortfolioSCHD Income/yrGap
1← crossover$11,566$866.17$11,224$343.99+$342.00ERM
2$13,312$936.29$12,567$354.86+$745.00ERM
3$15,251$1,007.12$14,038$365.18+$1.2KERM
4$17,397$1,078.33$15,648$374.93+$1.7KERM
5$19,764$1,149.59$17,409$384.13+$2.4KERM
6$22,368$1,220.58$19,334$392.80+$3.0KERM
7$25,225$1,291.03$21,436$400.95+$3.8KERM
8$28,352$1,360.67$23,731$408.59+$4.6KERM
9$31,766$1,429.27$26,235$415.75+$5.5KERM
10$35,486$1,496.60$28,966$422.44+$6.5KERM

ERM vs SCHD: Complete Analysis 2026

ERMStock

The fund seeks to achieve its investment objectives by investing in equity securities of companies domiciled in the U.S. or listed on a U.S. securities exchange. The fund's strategy seeks to provide exposure to U.S. listed equity securities and to avoid large, prolonged market losses and reduce volatility. It may invest all or a portion of its assets in cash, cash equivalents, money market funds and/or short-term fixed income ETFs.

Full ERM 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.