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SMLF vs SCHD: Dividend Comparison 2026

SMLF yields 1.17% · SCHD yields 3.46%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 SCHD wins by $7.7K in total portfolio value
10 years
SMLF
SMLF
● Live price
1.17%
Share price
$75.49
Annual div
$0.88
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$21.3K
Annual income
$126.19
Full SMLF 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 — SMLF 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 PeriodSMLFSCHD
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, SMLF + SCHD cover 0 of 12 months — good coverage

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

Tax Bracket Optimizer

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

SMLF
Annual income on $10K today (after 15% tax)
$99.42/yr
After 10yr DRIP, annual income (after tax)
$107.26/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 $254.80/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

SMLF: 50%SCHD: 50%
100% SCHD50/50100% SMLF
Portfolio after 10yr
$25.2K
Annual income
$276.07/yr
Blended yield
1.10%
🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

SMLF buys
0
SCHD buys
0
No recent congressional trades found for SMLF or SCHD in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricSMLFSCHD
Forward yield1.17%3.46% ✓
Annual dividend / share$0.88$1.06 ✓
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR0%0%
Portfolio after 10y$21.3K$29.0K ✓
Annual income after 10y$126.19$425.95 ✓
Total dividends collected$1.2K$3.9K ✓
Payment frequencyquarterlyquarterly
SectorStockETF

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

YearSMLF PortfolioSMLF Income/yrSCHD PortfolioSCHD Income/yrGap
1← crossover$10,817$116.97$11,226$346.36$409.00 → SCHD
2$11,692$118.25$12,572$357.38$880.00 → SCHD
3$12,630$119.46$14,046$367.84$1.4K → SCHD
4$13,635$120.60$15,660$377.73$2.0K → SCHD
5$14,711$121.67$17,425$387.07$2.7K → SCHD
6$15,864$122.69$19,354$395.86$3.5K → SCHD
7$17,098$123.65$21,461$404.13$4.4K → SCHD
8$18,419$124.55$23,762$411.89$5.3K → SCHD
9$19,834$125.39$26,272$419.15$6.4K → SCHD
10$21,348$126.19$29,010$425.95$7.7K → SCHD

SMLF vs SCHD: Complete Analysis 2026

SMLF — Stock

The iShares U.S. Small-Cap Equity Factor ETF seeks to track the investment results of an index composed of U.S. small-capitalization stocks that have favorable exposure to target style factors subject to constraints.

Full SMLF 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.