HomeCompareVFIAX vs SCHD

VFIAX vs SCHD: Dividend Comparison 2026

VFIAX yields 0.90% · SCHD yields 3.46%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 SCHD wins by $8.1K in total portfolio value
10 years
VFIAX
VFIAX
● Live price
0.90%
Share price
$585.37
Annual div
$5.25
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$20.9K
Annual income
$95.11
Full VFIAX 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 — VFIAX vs SCHD

📍 SCHD pulled ahead of the other in Year 1

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 PeriodVFIAXSCHD
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, VFIAX + SCHD cover 0 of 12 monthsgood coverage

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

Tax Bracket Optimizer

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

VFIAX
Annual income on $10K today (after 15% tax)
$76.26/yr
After 10yr DRIP, annual income (after tax)
$80.84/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 $281.21/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

VFIAX: 50%SCHD: 50%
100% SCHD50/50100% VFIAX
Portfolio after 10yr
$25.0K
Annual income
$260.52/yr
Blended yield
1.04%
🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

VFIAX buys
0
SCHD buys
3
PoliticianChamberTickerTypeAmountDate
Virginia Foxx🏢 House$SCHD▼ Sell$50,001 - $100,0002023-03-08
Steve Cohen🏢 House$SCHD▲ Buy$50,001 - $100,0002022-07-29
Hakeem S. Jeffries🏢 House$SCHD▲ Buy$15,001 - $50,0002021-04-12
Mikie Sherrill🏢 House$SCHD▲ Buy$100,001 - $250,0002020-02-21
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricVFIAXSCHD
Forward yield0.90%3.46%
Annual dividend / share$5.25$1.06
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR0%0%
Portfolio after 10y$20.9K$29.0K
Annual income after 10y$95.11$425.95
Total dividends collected$926.00$3.9K
Payment frequencyquarterlyquarterly
SectorStockETF

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

YearVFIAX PortfolioVFIAX Income/yrSCHD PortfolioSCHD Income/yrGap
1← crossover$10,790$89.72$11,226$346.36$436.00SCHD
2$11,635$90.48$12,572$357.38$937.00SCHD
3$12,541$91.18$14,046$367.84$1.5KSCHD
4$13,511$91.85$15,660$377.73$2.1KSCHD
5$14,549$92.48$17,425$387.07$2.9KSCHD
6$15,661$93.07$19,354$395.86$3.7KSCHD
7$16,851$93.63$21,461$404.13$4.6KSCHD
8$18,124$94.15$23,762$411.89$5.6KSCHD
9$19,488$94.64$26,272$419.15$6.8KSCHD
10$20,947$95.11$29,010$425.95$8.1KSCHD

VFIAX vs SCHD: Complete Analysis 2026

VFIAXStock

As the industry’s first index fund for individual investors, the 500 Index Fund is a low-cost way to gain diversified exposure to the U.S. equity market. The fund offers exposure to 500 of the largest U.S. companies, which span many different industries and account for about three-fourths of the U.S. stock market’s value. The key risk for the fund is the volatility that comes with its full exposure to the stock market. Because the 500 Index Fund is broadly diversified within the large-capitalization market, it may be considered a core equity holding in a portfolio.With respect to 75% of its total assets, the fund may not: (1) purchase more than 10% of the outstanding voting securities of any one issuer or (2) purchase securities of any issuer if, as a result, more than 5% of the fund’s total assets would be invested in that issuer’s securities; except as may be necessary to approximate the composition of its target index. This limitation does not apply to obligations of the U.S. government or its agencies or instrumentalities.

Full VFIAX Calculator →

SCHDETF

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 →
📬

Get this VFIAX vs SCHD comparison by email

Save your analysis + weekly dividend insights. Free forever.

More comparisons

VFIAX vs JEPIVFIAX vs OVFIAX vs KOVFIAX vs MAINVFIAX vs VYMVFIAX vs DGROVFIAX vs VIGVFIAX vs HDV

⚠️ Educational purposes only. Not financial advice. Congressional trades sourced from SEC STOCK Act filings via FMP. Past performance does not guarantee future results.