Is JMBS or SCHD a better dividend investment in 2026?

JMBS currently yields 5.13% with a 5% 5-year dividend growth rate. SCHD yields 3.46% with 13.05% growth. The better choice depends on your goal: JMBS offers higher current income.

What is the dividend yield difference between JMBS and SCHD?

JMBS has a forward dividend yield of 5.13% ($2.32/share annually). SCHD yields 3.46% ($1.06/share annually). The yield gap is 1.67 percentage points.

Home › Compare › JMBS vs SCHD

JMBS vs SCHD: Dividend Comparison 2026

JMBS yields 5.13% · SCHD yields 3.46%● Live data

vsPost on X →

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

🏆 SCHD wins by $989.00 in total portfolio value

INVESTMENT

TIME HORIZON10 years

JMBS

● Live price

5.13%

Share price

$45.27

Annual div

$2.32

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$28.0K

Annual income

$712.27

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

Jan

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Feb

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Mar

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Apr

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May

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Jun

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Jul

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Aug

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Sep

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Oct

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Nov

—

Dec

—

JMBS 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.

JMBS

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

$436.11/yr

After 10yr DRIP, annual income (after tax)

$605.43/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, JMBS beats the other by $243.37/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 JMBS + SCHD for your $10,000?

JMBS: 50%SCHD: 50%

100% SCHD50/50100% JMBS

Portfolio after 10yr

$28.5K

Annual income

$569.11/yr

Blended yield

2.00%

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Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

JMBS buys

SCHD buys

Politician	Chamber	Ticker	Type	Amount	Date
Virginia Foxx	🏢 House	$SCHD	▼ Sell	$50,001 - $100,000	2023-03-08
Steve Cohen	🏢 House	$SCHD	▲ Buy	$50,001 - $100,000	2022-07-29
Hakeem S. Jeffries	🏢 House	$SCHD	▲ Buy	$15,001 - $50,000	2021-04-12
Mikie Sherrill	🏢 House	$SCHD	▲ Buy	$100,001 - $250,000	2020-02-21

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

MetricJMBSSCHD

Forward yield	5.13% ✓	3.46%
Annual dividend / share	$2.32 ✓	$1.06
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	0%	0%
Portfolio after 10y	$28.0K	$29.0K ✓
Annual income after 10y	$712.27 ✓	$425.95
Total dividends collected	$6.2K ✓	$3.9K
Payment frequency	quarterly	quarterly
Sector	Stock	ETF

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

Year	JMBS Portfolio	JMBS Income/yr	SCHD Portfolio	SCHD Income/yr	Gap
1← crossover	$11,213	$513.07	$11,226	$346.36	$13.00 → SCHD
2	$12,536	$537.67	$12,572	$357.38	$36.00 → SCHD
3	$13,975	$561.77	$14,046	$367.84	$71.00 → SCHD
4	$15,538	$585.30	$15,660	$377.73	$122.00 → SCHD
5	$17,234	$608.20	$17,425	$387.07	$191.00 → SCHD
6	$19,071	$630.45	$19,354	$395.86	$283.00 → SCHD
7	$21,058	$652.01	$21,461	$404.13	$403.00 → SCHD
8	$23,205	$672.84	$23,762	$411.89	$557.00 → SCHD
9	$25,522	$692.93	$26,272	$419.15	$750.00 → SCHD
10	$28,021	$712.27	$29,010	$425.95	$989.00 → SCHD

JMBS vs SCHD: Complete Analysis 2026

JMBS — Stock

The fund seeks to achieve its investment objective by investing mainly in mortgage-related instruments. Under normal circumstances, it will invest at least 80%, and often times substantially all, of its net assets (plus any borrowings for investment purposes) in a portfolio of mortgage-related fixed income instruments of varying maturities. Additionally, the fund may invest in derivatives.

Full JMBS 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.