HomeCompareVFSUX vs SCHD

VFSUX vs SCHD: Dividend Comparison 2026

VFSUX yields 4.67% · SCHD yields 3.46%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 SCHD wins by $1.8K in total portfolio value
10 years
VFSUX
VFSUX
● Live price
4.67%
Share price
$10.40
Annual div
$0.49
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$27.2K
Annual income
$630.53
Full VFSUX 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 — VFSUX 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 PeriodVFSUXSCHD
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, VFSUX + SCHD cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
VFSUX 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.

VFSUX
Annual income on $10K today (after 15% tax)
$397.30/yr
After 10yr DRIP, annual income (after tax)
$535.95/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, VFSUX beats the other by $173.89/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

VFSUX: 50%SCHD: 50%
100% SCHD50/50100% VFSUX
Portfolio after 10yr
$28.1K
Annual income
$528.23/yr
Blended yield
1.88%
🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

VFSUX 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 →
MetricVFSUXSCHD
Forward yield4.67%3.46%
Annual dividend / share$0.49$1.06
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR0%0%
Portfolio after 10y$27.2K$29.0K
Annual income after 10y$630.53$425.95
Total dividends collected$5.5K$3.9K
Payment frequencyquarterlyquarterly
SectorStockETF

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

YearVFSUX PortfolioVFSUX Income/yrSCHD PortfolioSCHD Income/yrGap
1← crossover$11,167$467.41$11,226$346.36$59.00SCHD
2$12,437$487.83$12,572$357.38$135.00SCHD
3$13,815$507.75$14,046$367.84$231.00SCHD
4$15,309$527.12$15,660$377.73$351.00SCHD
5$16,927$545.92$17,425$387.07$498.00SCHD
6$18,676$564.11$19,354$395.86$678.00SCHD
7$20,565$581.68$21,461$404.13$896.00SCHD
8$22,603$598.61$23,762$411.89$1.2KSCHD
9$24,800$614.90$26,272$419.15$1.5KSCHD
10$27,167$630.53$29,010$425.95$1.8KSCHD

VFSUX vs SCHD: Complete Analysis 2026

VFSUXStock

This fund is designed to give investors exposure to high- and medium-quality, investment-grade bonds with short-term maturities. The fund invests in corporate bonds, pooled consumer loans, and U.S. government bonds. Although short-term bond funds tended to have a higher yield than money market funds, the tradeoff has been that the share price fluctuates. Additionally, increases in interest rates can cause the prices of the bonds in the portfolio, and thus the fund’s share price, to decrease. Investors with a short-term savings goal who are willing to accept some price movement may wish to consider this fund.

Full VFSUX 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 →
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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.