Is UMNOX or SCHD a better dividend investment in 2026?

UMNOX currently yields 3.31% with a 5% 5-year dividend growth rate. SCHD yields 3.46% with 13.05% growth. The better choice depends on your goal: SCHD offers higher current income.

What is the dividend yield difference between UMNOX and SCHD?

UMNOX has a forward dividend yield of 3.31% ($0.32/share annually). SCHD yields 3.46% ($1.06/share annually). The yield gap is 0.15 percentage points.

Home › Compare › UMNOX vs SCHD

UMNOX vs SCHD: Dividend Comparison 2026

UMNOX yields 3.31% · SCHD yields 3.46%● Live data

vsPost on X →

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

🏆 SCHD wins by $4.3K in total portfolio value

INVESTMENT

TIME HORIZON10 years

UMNOX

● Live price

3.31%

Share price

$9.59

Annual div

$0.32

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$24.7K

Annual income

$409.18

Full UMNOX 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 — UMNOX 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	UMNOX	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, UMNOX + SCHD cover 0 of 12 months — good coverage

Jan

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Feb

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Mar

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Apr

—

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

—

Nov

—

Dec

—

UMNOX 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.

UMNOX

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

$281.12/yr

After 10yr DRIP, annual income (after tax)

$347.80/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 $14.25/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 UMNOX + SCHD for your $10,000?

UMNOX: 50%SCHD: 50%

100% SCHD50/50100% UMNOX

Portfolio after 10yr

$26.9K

Annual income

$417.56/yr

Blended yield

1.55%

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

UMNOX 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 →

MetricUMNOXSCHD

Forward yield	3.31%	3.46% ✓
Annual dividend / share	$0.32	$1.06 ✓
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	0%	0%
Portfolio after 10y	$24.7K	$29.0K ✓
Annual income after 10y	$409.18	$425.95 ✓
Total dividends collected	$3.7K	$3.9K ✓
Payment frequency	quarterly	quarterly
Sector	Stock	ETF

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

Year	UMNOX Portfolio	UMNOX Income/yr	SCHD Portfolio	SCHD Income/yr	Gap
1← crossover	$11,031	$330.73	$11,226	$346.36	$195.00 → SCHD
2	$12,144	$340.95	$12,572	$357.38	$428.00 → SCHD
3	$13,345	$350.80	$14,046	$367.84	$701.00 → SCHD
4	$14,639	$360.27	$15,660	$377.73	$1.0K → SCHD
5	$16,033	$369.36	$17,425	$387.07	$1.4K → SCHD
6	$17,534	$378.07	$19,354	$395.86	$1.8K → SCHD
7	$19,147	$386.40	$21,461	$404.13	$2.3K → SCHD
8	$20,882	$394.36	$23,762	$411.89	$2.9K → SCHD
9	$22,746	$401.95	$26,272	$419.15	$3.5K → SCHD
10	$24,747	$409.18	$29,010	$425.95	$4.3K → SCHD

UMNOX vs SCHD: Complete Analysis 2026

UMNOX — Stock

The investment seeks total return and preservation of capital. Under normal circumstances, the Portfolio invests at least 80% of its assets in fixed-income securities of U.S. issuers, including U.S. government securities, corporate securities, mortgage-related and asset-backed securities, municipal securities, structured products, preferred stocks and inflation-indexed-securities. It may invest up to 20% of its assets in other securities which need not be fixed-income securities of U.S. issuers.

Full UMNOX 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.