Is SCHD or VYM a better dividend investment in 2026?

SCHD currently yields 3.77% with a 13.05% 5-year dividend growth rate. VYM yields 2.37% with 7.8% growth. The better choice depends on your goal: SCHD offers higher current income.

What is the dividend yield difference between SCHD and VYM?

SCHD has a forward dividend yield of 3.77% ($1.05/share annually). VYM yields 2.37% ($3.51/share annually). The yield gap is 1.40 percentage points.

Home › Compare › SCHD vs VYM

SCHD vs VYM: Dividend Comparison 2026

SCHD yields 3.77% · VYM yields 2.37%● Live data

vsPost on X →

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

🏆 SCHD wins by $9.0K in total portfolio value

INVESTMENT

TIME HORIZON10 years

SCHD

Schwab U.S. Dividend Equity ETF

● Live price

3.77%

Share price

$27.84

Annual div

$1.05

5Y div CAGR

13.05%

Payout ratio

38%

After 10 yrs · $10,000 · DRIP

Portfolio value

$36.7K

Annual income

$1,925.82

Full SCHD calculator →

VYM

Vanguard High Dividend Yield ETF

● Live price

2.37%

Share price

$148.10

Annual div

$3.51

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$27.8K

Annual income

$272.94

Full VYM calculator →

Portfolio growth — SCHD vs VYM

📍 SCHD pulled ahead of the other in Year 1

Annual dividend income

🛡️

Recession Test — Did They Cut Dividends?

How each stock treated shareholders during the 3 biggest crises of the last 20 years

Crisis Period	SCHD	VYM
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, SCHD + VYM cover 4 of 12 months — good coverage

Jan

—

Feb

—

Mar

SCHD

Apr

—

May

—

Jun

SCHD

Jul

—

Aug

—

Sep

SCHD

Oct

—

Nov

—

Dec

SCHD

SCHD pays

VYM pays

Both pay

Neither

💰

Tax Bracket Optimizer

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

SCHD

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

$320.58/yr

After 10yr DRIP, annual income (after tax)

$1,636.95/yr

VYM

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

$201.60/yr

After 10yr DRIP, annual income (after tax)

$232.00/yr

At 15% tax rate, SCHD beats the other by $1,404.95/year in after-tax income after 10 years on $10,000

⚖️

Lazy Portfolio Split Optimizer

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

SCHD: 50%VYM: 50%

100% VYM50/50100% SCHD

Portfolio after 10yr

$32.3K

Annual income

$1,099.38/yr

Blended yield

3.41%

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

SCHD buys

VYM buys

No recent congressional trades found for SCHD or VYM in the last 90 days.

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

MetricSCHDVYM

Forward yield	3.77% ✓	2.37%
Annual dividend / share	$1.05	$3.51 ✓
Payout ratio	38% ✓	50%
1-year div growth	5.18% ✓	0%
5-year div CAGR	13.05% ✓	0%
Portfolio after 10y	$36.7K ✓	$27.8K
Annual income after 10y	$1,925.82 ✓	$272.94
Total dividends collected	$10.1K ✓	$2.6K
Payment frequency	quarterly	quarterly
Sector	ETF	ETF

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

Year	SCHD Portfolio	SCHD Income/yr	VYM Portfolio	VYM Income/yr	Gap
1← crossover	$11,306	$426.37	$11,147	$237.17	+$159.00 → SCHD
2	$12,802	$500.91	$12,404	$242.33	+$398.00 → SCHD
3	$14,518	$589.33	$13,780	$247.16	+$738.00 → SCHD
4	$16,490	$694.43	$15,285	$251.67	+$1.2K → SCHD
5	$18,761	$819.56	$16,932	$255.88	+$1.8K → SCHD
6	$21,381	$968.84	$18,733	$259.81	+$2.6K → SCHD
7	$24,409	$1,147.26	$20,701	$263.46	+$3.7K → SCHD
8	$27,918	$1,360.94	$22,852	$266.86	+$5.1K → SCHD
9	$31,993	$1,617.39	$25,201	$270.01	+$6.8K → SCHD
10	$36,734	$1,925.82	$27,768	$272.94	+$9.0K → SCHD

SCHD vs VYM: Complete Analysis 2026

SCHD — ETF

SCHD tracks the Dow Jones U.S. Dividend 100 Index, focusing on quality companies with consistent dividend histories. With $60B+ AUM, it's the most popular dividend ETF in the US — combining income with quality. Only companies with 10+ consecutive years of dividends qualify. The ETF rebalances annually and has delivered market-beating total returns since inception in 2011.

Full SCHD Calculator →

VYM — ETF

Seeks to track the performance of the FTSE High Dividend Yield Index, which measures the investment return of common stocks of companies characterized by high dividend yields. Provides a convenient way to track the performance of stocks that are forecasted to have above-average dividend yields. Follows a passively managed, full-replication approach.

Full VYM Calculator →

📬

Get this SCHD vs VYM comparison by email

Save your analysis + weekly dividend insights. Free forever.

More comparisons

SCHD vs JEPI SCHD vs DGRO SCHD vs VIG SCHD vs HDV SCHD vs DVY

⚠️ Educational purposes only. Not financial advice. Congressional trades sourced from SEC STOCK Act filings via FMP. Past performance does not guarantee future results.