Is MDLOX or SCHD a better dividend investment in 2026?

MDLOX currently yields 9.48% with a 5% 5-year dividend growth rate. SCHD yields 3.46% with 13.05% growth. The better choice depends on your goal: MDLOX offers higher current income.

What is the dividend yield difference between MDLOX and SCHD?

MDLOX has a forward dividend yield of 9.48% ($1.83/share annually). SCHD yields 3.46% ($1.06/share annually). The yield gap is 6.02 percentage points.

Home › Compare › MDLOX vs SCHD

MDLOX vs SCHD: Dividend Comparison 2026

MDLOX yields 9.48% · SCHD yields 3.46%● Live data

vsPost on X →

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

🏆 MDLOX wins by $8.4K in total portfolio value

INVESTMENT

TIME HORIZON10 years

MDLOX

● Live price

9.48%

Share price

$19.34

Annual div

$1.83

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$37.4K

Annual income

$1,720.98

Full MDLOX 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 — MDLOX vs SCHD

📍 MDLOX 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	MDLOX	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%.

📅

Dividend Calendar Overlap

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

Jan

—

Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

MDLOX pays

SCHD pays

Both pay

Neither

💰

Tax Bracket Optimizer

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

MDLOX

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

$805.54/yr

After 10yr DRIP, annual income (after tax)

$1,462.83/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, MDLOX beats the other by $1,100.78/year in after-tax income after 10 years on $10,000

⚖️

Lazy Portfolio Split Optimizer

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

MDLOX: 50%SCHD: 50%

100% SCHD50/50100% MDLOX

Portfolio after 10yr

$33.2K

Annual income

$1,073.46/yr

Blended yield

3.23%

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

MDLOX 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 →

MetricMDLOXSCHD

Forward yield	9.48% ✓	3.46%
Annual dividend / share	$1.83 ✓	$1.06
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	0%	0%
Portfolio after 10y	$37.4K ✓	$29.0K
Annual income after 10y	$1,720.98 ✓	$425.95
Total dividends collected	$13.3K ✓	$3.9K
Payment frequency	quarterly	quarterly
Sector	Stock	ETF

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

Year	MDLOX Portfolio	MDLOX Income/yr	SCHD Portfolio	SCHD Income/yr	Gap
1← crossover	$11,648	$947.69	$11,226	$346.36	+$422.00 → MDLOX
2	$13,495	$1,031.62	$12,572	$357.38	+$923.00 → MDLOX
3	$15,556	$1,117.02	$14,046	$367.84	+$1.5K → MDLOX
4	$17,849	$1,203.43	$15,660	$377.73	+$2.2K → MDLOX
5	$20,389	$1,290.44	$17,425	$387.07	+$3.0K → MDLOX
6	$23,193	$1,377.63	$19,354	$395.86	+$3.8K → MDLOX
7	$26,281	$1,464.62	$21,461	$404.13	+$4.8K → MDLOX
8	$29,672	$1,551.06	$23,762	$411.89	+$5.9K → MDLOX
9	$33,386	$1,636.61	$26,272	$419.15	+$7.1K → MDLOX
10	$37,444	$1,720.98	$29,010	$425.95	+$8.4K → MDLOX

MDLOX vs SCHD: Complete Analysis 2026

MDLOX — Stock

The fund invests in a portfolio of equity, debt and money market securities. Generally, the fund's portfolio will include both equity and debt securities. It may invest up to 35% of its total assets in "junk bonds," corporate loans and distressed securities. The fund may also invest in Real Estate Investment Trusts ("REITs") and securities related to real assets (like real estate- or precious metals-related securities) such as stock, bonds or convertible bonds issued by REITs or companies that mine precious metals.

Full MDLOX 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 →

📬

Get this MDLOX vs SCHD comparison by email

Save your analysis + weekly dividend insights. Free forever.

More comparisons

MDLOX vs JEPI MDLOX vs O MDLOX vs KO MDLOX vs MAIN MDLOX vs VYM MDLOX vs DGRO MDLOX vs VIG MDLOX vs HDV

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