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GNMA vs SCHD: Dividend Comparison 2026

GNMA yields 4.20% · SCHD yields 3.44%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 SCHD wins by $2.7K in total portfolio value
10 years
GNMA
GNMA
● Live price
4.20%
Share price
$44.45
Annual div
$1.87
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$26.3K
Annual income
$549.50
Full GNMA 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 — GNMA 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 PeriodGNMASCHD
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%.
📅

Dividend Calendar Overlap

Combined, GNMA + SCHD cover 0 of 12 months — good coverage

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

Tax Bracket Optimizer

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

GNMA
Annual income on $10K today (after 15% tax)
$356.81/yr
After 10yr DRIP, annual income (after tax)
$467.08/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, GNMA beats the other by $107.86/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

GNMA: 50%SCHD: 50%
100% SCHD50/50100% GNMA
Portfolio after 10yr
$27.6K
Annual income
$486.05/yr
Blended yield
1.76%
🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

GNMA buys
0
SCHD buys
0
No recent congressional trades found for GNMA or SCHD in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricGNMASCHD
Forward yield4.20% ✓3.44%
Annual dividend / share$1.87 ✓$1.06
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR0%0%
Portfolio after 10y$26.3K$29.0K ✓
Annual income after 10y$549.50 ✓$422.61
Total dividends collected$4.9K ✓$3.9K
Payment frequencyquarterlyquarterly
SectorStockETF

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

YearGNMA PortfolioGNMA Income/yrSCHD PortfolioSCHD Income/yrGap
1← crossover$11,120$419.77$11,224$344.10$104.00 → SCHD
2$12,334$436.24$12,567$354.98$233.00 → SCHD
3$13,650$452.23$14,038$365.30$388.00 → SCHD
4$15,073$467.73$15,648$375.06$575.00 → SCHD
5$16,611$482.71$17,410$384.27$799.00 → SCHD
6$18,271$497.16$19,335$392.95$1.1K → SCHD
7$20,061$511.06$21,437$401.10$1.4K → SCHD
8$21,990$524.42$23,733$408.75$1.7K → SCHD
9$24,066$537.23$26,237$415.91$2.2K → SCHD
10$26,300$549.50$28,968$422.61$2.7K → SCHD

GNMA vs SCHD: Complete Analysis 2026

GNMA — Stock

The iShares GNMA Bond ETF seeks to track the investment results of an index composed of mortgage-backed pass-through securities guaranteed by the Government National Mortgage Association ('GNMA' or 'Ginnie Mae').

Full GNMA 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.