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SHYM vs SCHD: Dividend Comparison 2026

SHYM yields 4.55% · SCHD yields 3.44%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 SCHD wins by $2.0K in total portfolio value
10 years
SHYM
SHYM
● Live price
4.55%
Share price
$22.03
Annual div
$1.00
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$26.9K
Annual income
$609.48
Full SHYM calculator →
SCHD
Schwab U.S. Dividend Equity ETF
● Live price
3.44%
Share price
$30.68
Annual div
$1.06
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$29.0K
Annual income
$422.61
Full SCHD calculator →

Portfolio growth — SHYM 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 PeriodSHYMSCHD
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, SHYM + SCHD cover 0 of 12 months — good coverage

Jan
—
Feb
—
Mar
—
Apr
—
May
—
Jun
—
Jul
—
Aug
—
Sep
—
Oct
—
Nov
—
Dec
—
SHYM 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.

SHYM
Annual income on $10K today (after 15% tax)
$386.99/yr
After 10yr DRIP, annual income (after tax)
$518.06/yr
SCHD
Annual income on $10K today (after 15% tax)
$292.49/yr
After 10yr DRIP, annual income (after tax)
$359.22/yr
At 15% tax rate, SHYM beats the other by $158.84/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

SHYM: 50%SCHD: 50%
100% SCHD50/50100% SHYM
Portfolio after 10yr
$28.0K
Annual income
$516.04/yr
Blended yield
1.85%
🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

SHYM buys
0
SCHD buys
0
No recent congressional trades found for SHYM or SCHD in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricSHYMSCHD
Forward yield4.55% ✓3.44%
Annual dividend / share$1.00$1.06 ✓
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR0%0%
Portfolio after 10y$26.9K$29.0K ✓
Annual income after 10y$609.48 ✓$422.61
Total dividends collected$5.4K ✓$3.9K
Payment frequencyquarterlyquarterly
SectorStockETF

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

YearSHYM PortfolioSHYM Income/yrSCHD PortfolioSCHD Income/yrGap
1← crossover$11,155$455.28$11,224$344.10$69.00 → SCHD
2$12,411$474.65$12,567$354.98$156.00 → SCHD
3$13,773$493.53$14,038$365.30$265.00 → SCHD
4$15,249$511.87$15,648$375.06$399.00 → SCHD
5$16,846$529.65$17,410$384.27$564.00 → SCHD
6$18,572$546.84$19,335$392.95$763.00 → SCHD
7$20,436$563.43$21,437$401.10$1.0K → SCHD
8$22,446$579.40$23,733$408.75$1.3K → SCHD
9$24,612$594.76$26,237$415.91$1.6K → SCHD
10$26,944$609.48$28,968$422.61$2.0K → SCHD

SHYM vs SCHD: Complete Analysis 2026

SHYM — Stock

iShares Short Duration High Yield Muni Active ETF (the “Fund”) primarily seeks to maximize tax free current income and secondarily seeks to maximize capital appreciation with a portfolio composed principally of high yield and other income generating U.S. municipal bonds.

Full SHYM 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.