HomeCompareSCMC vs SCHD

SCMC vs SCHD: Dividend Comparison 2026

SCMC yields 0.91% · SCHD yields 3.46%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 SCHD wins by $8.0K in total portfolio value
10 years
SCMC
SCMC
● Live price
0.91%
Share price
$24.90
Annual div
$0.23
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$21.0K
Annual income
$96.27
Full SCMC calculator →
SCHD
Schwab U.S. Dividend Equity ETF
● Live price
3.46%
Share price
$30.48
Annual div
$1.06
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$29.0K
Annual income
$425.95
Full SCHD calculator →

Portfolio growth — SCMC vs SCHD

📍 SCHD 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 PeriodSCMCSCHD
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, SCMC + SCHD cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
SCMC pays
SCHD pays
Both pay
Neither
💰

Tax Bracket Optimizer

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

SCMC
Annual income on $10K today (after 15% tax)
$77.15/yr
After 10yr DRIP, annual income (after tax)
$81.83/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, SCHD beats the other by $280.23/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

SCMC: 50%SCHD: 50%
100% SCHD50/50100% SCMC
Portfolio after 10yr
$25.0K
Annual income
$261.11/yr
Blended yield
1.05%
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Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

SCMC buys
0
SCHD buys
0
No recent congressional trades found for SCMC or SCHD in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricSCMCSCHD
Forward yield0.91%3.46%
Annual dividend / share$0.23$1.06
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR0%0%
Portfolio after 10y$21.0K$29.0K
Annual income after 10y$96.27$425.95
Total dividends collected$937.00$3.9K
Payment frequencyquarterlyquarterly
SectorStockETF

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

YearSCMC PortfolioSCMC Income/yrSCHD PortfolioSCHD Income/yrGap
1← crossover$10,791$90.76$11,226$346.36$435.00SCHD
2$11,638$91.53$12,572$357.38$934.00SCHD
3$12,545$92.26$14,046$367.84$1.5KSCHD
4$13,516$92.94$15,660$377.73$2.1KSCHD
5$14,555$93.59$17,425$387.07$2.9KSCHD
6$15,668$94.19$19,354$395.86$3.7KSCHD
7$16,860$94.76$21,461$404.13$4.6KSCHD
8$18,135$95.30$23,762$411.89$5.6KSCHD
9$19,501$95.80$26,272$419.15$6.8KSCHD
10$20,962$96.27$29,010$425.95$8.0KSCHD

SCMC vs SCHD: Complete Analysis 2026

SCMCStock

SCMC seeks competitive total return and current income by investing in bonds and other debt obligations. The funds broad investment approach may include government and corporate debt, fixed and floating rate bonds, mortgage- and asset-backed securities, loans, munis, insurance-linked securities, Yankee bonds, hybrid securities, and notes. The actively managed fund may invest in bonds of any credit quality from both US and non-US issuers, denominated in any currency from developed and emerging markets. It may also invest in ETFs and other investment companies, including affiliated funds. The fund can invest in debt securities of any maturity without limit. In addition, the fund may invest in derivatives (futures, forwards, swaps, and options) which may be used for hedging non-USD assets or to express currency views.

Full SCMC Calculator →

SCHDETF

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.