Is SMCWX or SCHD a better dividend investment in 2026?

SMCWX currently yields 4.90% with a 5% 5-year dividend growth rate. SCHD yields 3.44% with 13.05% growth. The better choice depends on your goal: SMCWX offers higher current income.

What is the dividend yield difference between SMCWX and SCHD?

SMCWX has a forward dividend yield of 4.90% ($3.55/share annually). SCHD yields 3.44% ($1.06/share annually). The yield gap is 1.46 percentage points.

Home › Compare › SMCWX vs SCHD

SMCWX vs SCHD: Dividend Comparison 2026

SMCWX yields 4.90% · SCHD yields 3.44%● Live data

vsPost on X →

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

🏆 SCHD wins by $1.4K in total portfolio value

INVESTMENT

TIME HORIZON10 years

SMCWX

● Live price

4.90%

Share price

$72.52

Annual div

$3.55

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$27.6K

Annual income

$669.75

Full SMCWX calculator →

SCHD

Schwab U.S. Dividend Equity ETF

● Live price

3.44%

Share price

$30.68

Annual div

$1.06

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$29.0K

Annual income

$422.61

Full SCHD calculator →

Portfolio growth — SMCWX 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 Period	SMCWX	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, SMCWX + 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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SMCWX 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.

SMCWX

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

$416.16/yr

After 10yr DRIP, annual income (after tax)

$569.29/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, SMCWX beats the other by $210.07/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 SMCWX + SCHD for your $10,000?

SMCWX: 50%SCHD: 50%

100% SCHD50/50100% SMCWX

Portfolio after 10yr

$28.3K

Annual income

$546.17/yr

Blended yield

1.93%

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

SMCWX buys

SCHD buys

Politician	Chamber	Ticker	Type	Amount	Date
John Rose	🏢 House	$SMCWX	▼ Sell	$500,001 - $1,000,000	2025-06-03
John Rose	🏢 House	$SMCWX	▼ Sell	$500,001 - $1,000,000	2025-06-03

STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →

MetricSMCWXSCHD

Forward yield	4.90% ✓	3.44%
Annual dividend / share	$3.55 ✓	$1.06
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	0%	0%
Portfolio after 10y	$27.6K	$29.0K ✓
Annual income after 10y	$669.75 ✓	$422.61
Total dividends collected	$5.8K ✓	$3.9K
Payment frequency	quarterly	quarterly
Sector	Stock	ETF

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

Year	SMCWX Portfolio	SMCWX Income/yr	SCHD Portfolio	SCHD Income/yr	Gap
1← crossover	$11,190	$489.60	$11,224	$344.10	$34.00 → SCHD
2	$12,485	$512.01	$12,567	$354.98	$82.00 → SCHD
3	$13,893	$533.90	$14,038	$365.30	$145.00 → SCHD
4	$15,420	$555.24	$15,648	$375.06	$228.00 → SCHD
5	$17,076	$575.98	$17,410	$384.27	$334.00 → SCHD
6	$18,867	$596.08	$19,335	$392.95	$468.00 → SCHD
7	$20,803	$615.53	$21,437	$401.10	$634.00 → SCHD
8	$22,894	$634.30	$23,733	$408.75	$839.00 → SCHD
9	$25,149	$652.37	$26,237	$415.91	$1.1K → SCHD
10	$27,579	$669.75	$28,968	$422.61	$1.4K → SCHD

SMCWX vs SCHD: Complete Analysis 2026

SMCWX — Stock

Normally the fund invests at least 80% of its net assets in common stocks and other equity-type securities (such as preferred stocks, convertible preferred stocks and convertible bonds) of companies with small market capitalizations, including growth-oriented stocks. Under normal circumstances, the fund will invest a significant portion of its assets outside the United States, including in emerging markets.

Full SMCWX 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.