Is SPWYX or SCHD a better dividend investment in 2026?

SPWYX currently yields 9.84% with a 5% 5-year dividend growth rate. SCHD yields 3.46% with 13.05% growth. The better choice depends on your goal: SPWYX offers higher current income.

What is the dividend yield difference between SPWYX and SCHD?

SPWYX has a forward dividend yield of 9.84% ($1.39/share annually). SCHD yields 3.46% ($1.06/share annually). The yield gap is 6.38 percentage points.

Home › Compare › SPWYX vs SCHD

SPWYX vs SCHD: Dividend Comparison 2026

SPWYX yields 9.84% · SCHD yields 3.46%● Live data

vsPost on X →

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

🏆 SPWYX wins by $9.3K in total portfolio value

INVESTMENT

TIME HORIZON10 years

SPWYX

● Live price

9.84%

Share price

$14.12

Annual div

$1.39

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$38.3K

Annual income

$1,825.73

Full SPWYX calculator →

SCHD

Schwab U.S. Dividend Equity ETF

● Live price

3.46%

Share price

$30.48

Annual div

$1.06

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$29.0K

Annual income

$425.95

Full SCHD calculator →

Portfolio growth — SPWYX vs SCHD

📍 SPWYX 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	SPWYX	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, SPWYX + SCHD cover 0 of 12 months — good coverage

Jan

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Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

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Sep

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Oct

—

Nov

—

Dec

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SPWYX 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.

SPWYX

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

$836.09/yr

After 10yr DRIP, annual income (after tax)

$1,551.87/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, SPWYX beats the other by $1,189.81/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 SPWYX + SCHD for your $10,000?

SPWYX: 50%SCHD: 50%

100% SCHD50/50100% SPWYX

Portfolio after 10yr

$33.7K

Annual income

$1,125.83/yr

Blended yield

3.34%

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

SPWYX buys

SCHD buys

Politician	Chamber	Ticker	Type	Amount	Date
Virginia Foxx	🏢 House	$SCHD	▼ Sell	$50,001 - $100,000	2023-03-08
Steve Cohen	🏢 House	$SCHD	▲ Buy	$50,001 - $100,000	2022-07-29
Hakeem S. Jeffries	🏢 House	$SCHD	▲ Buy	$15,001 - $50,000	2021-04-12
Mikie Sherrill	🏢 House	$SCHD	▲ Buy	$100,001 - $250,000	2020-02-21

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

MetricSPWYXSCHD

Forward yield	9.84% ✓	3.46%
Annual dividend / share	$1.39 ✓	$1.06
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	0%	0%
Portfolio after 10y	$38.3K ✓	$29.0K
Annual income after 10y	$1,825.73 ✓	$425.95
Total dividends collected	$14.0K ✓	$3.9K
Payment frequency	quarterly	quarterly
Sector	Stock	ETF

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

Year	SPWYX Portfolio	SPWYX Income/yr	SCHD Portfolio	SCHD Income/yr	Gap
1← crossover	$11,684	$983.64	$11,226	$346.36	+$458.00 → SPWYX
2	$13,576	$1,074.07	$12,572	$357.38	+$1.0K → SPWYX
3	$15,692	$1,166.34	$14,046	$367.84	+$1.6K → SPWYX
4	$18,051	$1,259.99	$15,660	$377.73	+$2.4K → SPWYX
5	$20,669	$1,354.55	$17,425	$387.07	+$3.2K → SPWYX
6	$23,565	$1,449.54	$19,354	$395.86	+$4.2K → SPWYX
7	$26,759	$1,544.55	$21,461	$404.13	+$5.3K → SPWYX
8	$30,272	$1,639.17	$23,762	$411.89	+$6.5K → SPWYX
9	$34,124	$1,733.01	$26,272	$419.15	+$7.9K → SPWYX
10	$38,338	$1,825.73	$29,010	$425.95	+$9.3K → SPWYX

SPWYX vs SCHD: Complete Analysis 2026

SPWYX — Stock

Under normal circumstances, the fund invests at least 80% of its net assets (plus any borrowings for investment purposes) in equity securities of small capitalization companies. The fund's manager considers a company to be a small capitalization company if it has a market capitalization, at the time of investment, similar to the market capitalizations of the companies in the Russell 2000 Index.

Full SPWYX 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.