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VCLT vs SCHD: Dividend Comparison 2026

VCLT yields 5.62% · SCHD yields 3.46%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 SCHD wins by $53.00 in total portfolio value· pulled ahead in Year 10
10 years
VCLT
VCLT
● Live price
5.62%
Share price
$74.72
Annual div
$4.20
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$29.0K
Annual income
$803.82
Full VCLT 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 — VCLT vs SCHD

📍 SCHD pulled ahead of the other in Year 10

Annual dividend income

🛡️

Recession Test — Did They Cut Dividends?

How each stock treated shareholders during the 3 biggest crises of the last 20 years

Crisis PeriodVCLTSCHD
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, VCLT + SCHD cover 0 of 12 months — good coverage

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

Tax Bracket Optimizer

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

VCLT
Annual income on $10K today (after 15% tax)
$477.41/yr
After 10yr DRIP, annual income (after tax)
$683.25/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, VCLT beats the other by $321.19/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

VCLT: 50%SCHD: 50%
100% SCHD50/50100% VCLT
Portfolio after 10yr
$29.0K
Annual income
$614.88/yr
Blended yield
2.12%
🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

VCLT buys
0
SCHD buys
0
No recent congressional trades found for VCLT or SCHD in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricVCLTSCHD
Forward yield5.62% ✓3.46%
Annual dividend / share$4.20 ✓$1.06
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR0%0%
Portfolio after 10y$29.0K$29.0K
Annual income after 10y$803.82 ✓$425.95
Total dividends collected$6.9K ✓$3.9K
Payment frequencyquarterlyquarterly
SectorETFETF

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

YearVCLT PortfolioVCLT Income/yrSCHD PortfolioSCHD Income/yrGap
1$11,262$561.66$11,226$346.36+$36.00 → VCLT
2$12,641$591.14$12,572$357.38+$69.00 → VCLT
3$14,146$620.14$14,046$367.84+$100.00 → VCLT
4$15,785$648.57$15,660$377.73+$125.00 → VCLT
5$17,566$676.36$17,425$387.07+$141.00 → VCLT
6$19,499$703.45$19,354$395.86+$145.00 → VCLT
7$21,594$729.77$21,461$404.13+$133.00 → VCLT
8$23,861$755.30$23,762$411.89+$99.00 → VCLT
9$26,311$779.99$26,272$419.15+$39.00 → VCLT
10← crossover$28,957$803.82$29,010$425.95$53.00 → SCHD

VCLT vs SCHD: Complete Analysis 2026

VCLT — ETF

Seeks to provide a high and sustainable level of current income. Invests primarily in high-quality (investment-grade) corporate bonds. Maintains a dollar-weighted average maturity of 10 to 25 years.

Full VCLT 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.