Home › Compare › SCMB vs RYLD

SCMB vs RYLD: Dividend Comparison 2026

SCMB yields 3.38% · RYLD yields 4.00%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 RYLD wins by $3.2K in total portfolio value
10 years
SCMB
SCMB
● Live price
3.38%
Share price
$25.49
Annual div
$0.86
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$24.9K
Annual income
$419.77
Full SCMB calculator →
RYLD
RYLD
● Live price
4.00%
Share price
$50.00
Annual div
$2.00
5Y div CAGR
5%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$28.0K
Annual income
$899.19
Full RYLD calculator →

Portfolio growth — SCMB vs RYLD

📍 RYLD 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 PeriodSCMBRYLD
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, SCMB + RYLD cover 0 of 12 months — good coverage

Jan
—
Feb
—
Mar
—
Apr
—
May
—
Jun
—
Jul
—
Aug
—
Sep
—
Oct
—
Nov
—
Dec
—
SCMB pays
RYLD pays
Both pay
Neither
💰

Tax Bracket Optimizer

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

SCMB
Annual income on $10K today (after 15% tax)
$287.10/yr
After 10yr DRIP, annual income (after tax)
$356.80/yr
RYLD
Annual income on $10K today (after 15% tax)
$340.00/yr
After 10yr DRIP, annual income (after tax)
$764.31/yr
At 15% tax rate, RYLD beats the other by $407.51/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of SCMB + RYLD for your $10,000?

SCMB: 50%RYLD: 50%
100% RYLD50/50100% SCMB
Portfolio after 10yr
$26.5K
Annual income
$659.48/yr
Blended yield
2.49%
🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

SCMB buys
0
RYLD buys
0
No recent congressional trades found for SCMB or RYLD in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricSCMBRYLD
Forward yield3.38%4.00% ✓
Annual dividend / share$0.86$2.00 ✓
Payout ratio50%50%
1-year div growth0%5% ✓
5-year div CAGR0%5% ✓
Portfolio after 10y$24.9K$28.0K ✓
Annual income after 10y$419.77$899.19 ✓
Total dividends collected$3.8K$6.4K ✓
Payment frequencyquarterlyquarterly
SectorStockETF

Year-by-year: SCMB vs RYLD ($10,000, DRIP)

YearSCMB PortfolioSCMB Income/yrRYLD PortfolioRYLD Income/yrGap
1← crossover$11,038$337.77$11,120$420.00$82.00 → RYLD
2$12,159$348.43$12,357$458.31$198.00 → RYLD
3$13,369$358.71$13,721$499.76$352.00 → RYLD
4$14,673$368.60$15,227$544.58$554.00 → RYLD
5$16,078$378.10$16,885$593.02$807.00 → RYLD
6$17,591$387.20$18,713$645.34$1.1K → RYLD
7$19,218$395.92$20,724$701.81$1.5K → RYLD
8$20,968$404.25$22,938$762.73$2.0K → RYLD
9$22,848$412.19$25,372$828.41$2.5K → RYLD
10$24,867$419.77$28,047$899.19$3.2K → RYLD

SCMB vs RYLD: Complete Analysis 2026

SCMB — Stock

The fund’s goal is to track as closely as possible, before fees and expenses, the total return of an index that measures the performance of the U.S. AMT-free municipal bond market.

Full SCMB Calculator →

RYLD — ETF

RYLD is a dividend-paying stock. Use this calculator to estimate your future dividend income, DRIP compounding returns, and passive income potential from investing in RYLD shares.

Full RYLD Calculator →
📬

Get this SCMB vs RYLD comparison by email

Save your analysis + weekly dividend insights. Free forever.

More comparisons

SCMB vs SCHDSCMB vs JEPISCMB vs OSCMB vs KOSCMB vs MAIN

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