Is RWMFX or SCHD a better dividend investment in 2026?

RWMFX currently yields 10.94% with a 5% 5-year dividend growth rate. SCHD yields 3.46% with 13.05% growth. The better choice depends on your goal: RWMFX offers higher current income.

What is the dividend yield difference between RWMFX and SCHD?

RWMFX has a forward dividend yield of 10.94% ($6.73/share annually). SCHD yields 3.46% ($1.06/share annually). The yield gap is 7.48 percentage points.

Home › Compare › RWMFX vs SCHD

RWMFX vs SCHD: Dividend Comparison 2026

RWMFX yields 10.94% · SCHD yields 3.46%● Live data

vsPost on X →

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

🏆 RWMFX wins by $12.2K in total portfolio value

INVESTMENT

TIME HORIZON10 years

RWMFX

● Live price

10.94%

Share price

$61.52

Annual div

$6.73

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$41.2K

Annual income

$2,171.26

Full RWMFX 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 — RWMFX vs SCHD

📍 RWMFX 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	RWMFX	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, RWMFX + 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

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Dec

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RWMFX 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.

RWMFX

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

$930.04/yr

After 10yr DRIP, annual income (after tax)

$1,845.57/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, RWMFX beats the other by $1,483.51/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 RWMFX + SCHD for your $10,000?

RWMFX: 50%SCHD: 50%

100% SCHD50/50100% RWMFX

Portfolio after 10yr

$35.1K

Annual income

$1,298.60/yr

Blended yield

3.70%

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

RWMFX 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 →

MetricRWMFXSCHD

Forward yield	10.94% ✓	3.46%
Annual dividend / share	$6.73 ✓	$1.06
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	0%	0%
Portfolio after 10y	$41.2K ✓	$29.0K
Annual income after 10y	$2,171.26 ✓	$425.95
Total dividends collected	$16.3K ✓	$3.9K
Payment frequency	quarterly	quarterly
Sector	Stock	ETF

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

Year	RWMFX Portfolio	RWMFX Income/yr	SCHD Portfolio	SCHD Income/yr	Gap
1← crossover	$11,794	$1,094.16	$11,226	$346.36	+$568.00 → RWMFX
2	$13,826	$1,206.05	$12,572	$357.38	+$1.3K → RWMFX
3	$16,115	$1,321.31	$14,046	$367.84	+$2.1K → RWMFX
4	$18,682	$1,439.33	$15,660	$377.73	+$3.0K → RWMFX
5	$21,550	$1,559.47	$17,425	$387.07	+$4.1K → RWMFX
6	$24,739	$1,681.13	$19,354	$395.86	+$5.4K → RWMFX
7	$28,275	$1,803.70	$21,461	$404.13	+$6.8K → RWMFX
8	$32,180	$1,926.60	$23,762	$411.89	+$8.4K → RWMFX
9	$36,482	$2,049.29	$26,272	$419.15	+$10.2K → RWMFX
10	$41,207	$2,171.26	$29,010	$425.95	+$12.2K → RWMFX

RWMFX vs SCHD: Complete Analysis 2026

RWMFX — Stock

The fund invests primarily in common stocks of established companies that are listed on, or meet the financial listing requirements of, the New York Stock Exchange and have a strong record of earnings and dividends. Its advisor strives to maintain a fully invested, diversified portfolio, consisting primarily of high-quality common stocks.

Full RWMFX 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.