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SCHD vs MO: Dividend Comparison 2026

SCHD yields 3.77% · MO yields 9.11% · See full DRIP projection below

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After 10 years · $10,000 invested · DRIP enabled
🏆 SCHD wins by $9.1K in total portfolio value
10 years
SCHD
Schwab U.S. Dividend Equity ETF
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 →
MO
Altria Group Inc.
9.11%
Share price
$44.80
Annual div
$4.08
5Y div CAGR
4.3%
Payout ratio
78%
After 10 yrs · $10,000 · DRIP
Portfolio value
$27.7K
Annual income
$4,052.72
Full MO calculator →

Portfolio growth — SCHD vs MO

Annual dividend income

MetricSCHDMO
Forward yield3.77%9.11%
Annual dividend / share$1.05$4.08
Payout ratio38%78%
1-year div growth5.18%4.1%
5-year div CAGR13.05%4.3%
Portfolio after 10y$36.7K$27.7K
Annual income after 10y$1,925.82$4,052.72
Total dividends collected$10.1K$20.9K
Payment frequencyquarterlyquarterly
SectorETFConsumer Staples

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

YearSCHD PortfolioSCHD Income/yrMO PortfolioMO Income/yrGap
1$11,306$426.37$10,740$949.88+$566.00SCHD
2$12,802$500.91$11,601$1,086.84+$1.2KSCHD
3$14,518$589.33$12,608$1,250.75+$1.9KSCHD
4$16,490$694.43$13,792$1,448.20+$2.7KSCHD
5$18,761$819.56$15,190$1,687.69+$3.6KSCHD
6$21,381$968.84$16,851$1,980.28+$4.5KSCHD
7$24,409$1,147.26$18,838$2,340.48+$5.6KSCHD
8$27,918$1,360.94$21,230$2,787.44+$6.7KSCHD
9$31,993$1,617.39$24,130$3,346.72+$7.9KSCHD
10$36,734$1,925.82$27,676$4,052.72+$9.1KSCHD

SCHD vs MO: Complete Analysis 2026

SCHDETF

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 →

MOConsumer Staples

Altria is a Dividend King with 54+ consecutive years of dividend increases — one of the longest streaks in American corporate history. While cigarette volumes decline, pricing power and new product categories (oral nicotine pouches via NJOY) support cash flows. The near-9% yield is among the highest in the S&P 500.

Full MO Calculator →

Frequently Asked Questions

Is SCHD or MO better for dividend income in 2026?
SCHD currently offers a 3.77% yield (1.05/share/year) while MO offers 9.11% (4.08/share/year). MO provides higher current income. However, SCHD has grown its dividend faster (13.05% 5Y CAGR), which may lead to better long-term income through compounding.
How much would $10,000 in SCHD vs MO earn per year?
With $10,000 invested today: SCHD pays approximately $377/year. MO pays approximately $911/year. With DRIP reinvestment over 10 years, these grow to $1,926/year (SCHD) and $4,053/year (MO).
Does SCHD or MO pay monthly dividends?
SCHD pays quarterly dividends. MO pays quarterly dividends. Neither pay monthly — both use a quarterly schedule, which is preferred by investors who need regular cash flow.
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⚠️ Educational purposes only. Not financial advice. All projections use historical data; actual results will vary.