Is SWYFX or SCHD a better dividend investment in 2026?

SWYFX currently yields 4.00% with a 5% 5-year dividend growth rate. SCHD yields 3.77% with 13.05% growth. The better choice depends on your goal: SWYFX offers higher current income.

What is the dividend yield difference between SWYFX and SCHD?

SWYFX has a forward dividend yield of 4.00% ($2.00/share annually). SCHD yields 3.77% ($1.05/share annually). The yield gap is 0.23 percentage points.

Home › Compare › SWYFX vs SCHD

SWYFX vs SCHD: Dividend Comparison 2026

SWYFX yields 4.00% · SCHD yields 3.77%● Live data

vsPost on X →

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

🏆 SCHD wins by $8.7K in total portfolio value

INVESTMENT

TIME HORIZON10 years

SWYFX

● Live price

4.00%

Share price

$50.00

Annual div

$2.00

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$28.0K

Annual income

$899.19

Full SWYFX calculator →

SCHD

Schwab U.S. Dividend Equity ETF

● Live price

3.77%

Share price

$27.84

Annual div

$1.05

5Y div CAGR

13.05%

Payout ratio

38%

After 10 yrs · $10,000 · DRIP

Portfolio value

$36.7K

Annual income

$1,925.82

Full SCHD calculator →

Portfolio growth — SWYFX 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	SWYFX	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, SWYFX + SCHD cover 4 of 12 months — good coverage

Jan

—

Feb

—

Mar

SCHD

Apr

—

May

—

Jun

SCHD

Jul

—

Aug

—

Sep

SCHD

Oct

—

Nov

—

Dec

SCHD

SWYFX pays

SCHD pays

Both pay

Neither

💰

Tax Bracket Optimizer

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

SWYFX

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

$340.00/yr

After 10yr DRIP, annual income (after tax)

$764.31/yr

SCHD

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

$320.58/yr

After 10yr DRIP, annual income (after tax)

$1,636.95/yr

At 15% tax rate, SCHD beats the other by $872.64/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 SWYFX + SCHD for your $10,000?

SWYFX: 50%SCHD: 50%

100% SCHD50/50100% SWYFX

Portfolio after 10yr

$32.4K

Annual income

$1,412.51/yr

Blended yield

4.36%

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

SWYFX buys

SCHD buys

No recent congressional trades found for SWYFX or SCHD in the last 90 days.

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

MetricSWYFXSCHD

Forward yield	4.00% ✓	3.77%
Annual dividend / share	$2.00 ✓	$1.05
Payout ratio	50%	38% ✓
1-year div growth	5%	5.18% ✓
5-year div CAGR	5%	13.05% ✓
Portfolio after 10y	$28.0K	$36.7K ✓
Annual income after 10y	$899.19	$1,925.82 ✓
Total dividends collected	$6.4K	$10.1K ✓
Payment frequency	quarterly	quarterly
Sector	Stock	ETF

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

Year	SWYFX Portfolio	SWYFX Income/yr	SCHD Portfolio	SCHD Income/yr	Gap
1← crossover	$11,120	$420.00	$11,306	$426.37	$186.00 → SCHD
2	$12,357	$458.31	$12,802	$500.91	$445.00 → SCHD
3	$13,721	$499.76	$14,518	$589.33	$797.00 → SCHD
4	$15,227	$544.58	$16,490	$694.43	$1.3K → SCHD
5	$16,885	$593.02	$18,761	$819.56	$1.9K → SCHD
6	$18,713	$645.34	$21,381	$968.84	$2.7K → SCHD
7	$20,724	$701.81	$24,409	$1,147.26	$3.7K → SCHD
8	$22,938	$762.73	$27,918	$1,360.94	$5.0K → SCHD
9	$25,372	$828.41	$31,993	$1,617.39	$6.6K → SCHD
10	$28,047	$899.19	$36,734	$1,925.82	$8.7K → SCHD

SWYFX vs SCHD: Complete Analysis 2026

SWYFX — Stock

SWYFX is a dividend-paying stock. Use this calculator to estimate your future dividend income, DRIP compounding returns, and passive income potential from investing in SWYFX shares.

Full SWYFX Calculator →

SCHD — ETF

SCHD tracks the Dow Jones U.S. Dividend 100 Index, focusing on quality companies with consistent dividend histories. With $60B+ AUM, it's the most popular dividend ETF in the US — combining income with quality. Only companies with 10+ consecutive years of dividends qualify. The ETF rebalances annually and has delivered market-beating total returns since inception in 2011.

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.