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ITM vs SCHD: Dividend Comparison 2026

ITM yields 2.93% · SCHD yields 3.46%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 SCHD wins by $4.9K in total portfolio value
10 years
ITM
ITM
● Live price
2.93%
Share price
$46.47
Annual div
$1.36
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$24.1K
Annual income
$353.58
Full ITM 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 — ITM 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 PeriodITMSCHD
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, ITM + SCHD cover 0 of 12 months — good coverage

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

Tax Bracket Optimizer

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

ITM
Annual income on $10K today (after 15% tax)
$248.86/yr
After 10yr DRIP, annual income (after tax)
$300.54/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 $61.51/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

ITM: 50%SCHD: 50%
100% SCHD50/50100% ITM
Portfolio after 10yr
$26.6K
Annual income
$389.76/yr
Blended yield
1.47%
🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

ITM buys
0
SCHD buys
0
No recent congressional trades found for ITM or SCHD in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricITMSCHD
Forward yield2.93%3.46% ✓
Annual dividend / share$1.36 ✓$1.06
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR0%0%
Portfolio after 10y$24.1K$29.0K ✓
Annual income after 10y$353.58$425.95 ✓
Total dividends collected$3.3K$3.9K ✓
Payment frequencyquarterlyquarterly
SectorStockETF

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

YearITM PortfolioITM Income/yrSCHD PortfolioSCHD Income/yrGap
1← crossover$10,993$292.78$11,226$346.36$233.00 → SCHD
2$12,063$300.79$12,572$357.38$509.00 → SCHD
3$13,216$308.48$14,046$367.84$830.00 → SCHD
4$14,457$315.86$15,660$377.73$1.2K → SCHD
5$15,792$322.91$17,425$387.07$1.6K → SCHD
6$17,227$329.65$19,354$395.86$2.1K → SCHD
7$18,769$336.08$21,461$404.13$2.7K → SCHD
8$20,425$342.21$23,762$411.89$3.3K → SCHD
9$22,203$348.04$26,272$419.15$4.1K → SCHD
10$24,110$353.58$29,010$425.95$4.9K → SCHD

ITM vs SCHD: Complete Analysis 2026

ITM — Stock

VanEck Intermediate Muni ETF (ITM) seeks to replicate as closely as possible, before fees and expenses, the price and yield performance of the ICE Intermediate AMT-Free Broad National Municipal Index (MBNI), which is intended to track the overall performance of the U.S. dollar denominated intermediate-term tax-exempt bond market.

Full ITM 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.