Is VIVLX or SCHD a better dividend investment in 2026?

VIVLX currently yields 6.22% with a 5% 5-year dividend growth rate. SCHD yields 3.46% with 13.05% growth. The better choice depends on your goal: VIVLX offers higher current income.

What is the dividend yield difference between VIVLX and SCHD?

VIVLX has a forward dividend yield of 6.22% ($2.00/share annually). SCHD yields 3.46% ($1.06/share annually). The yield gap is 2.76 percentage points.

Home › Compare › VIVLX vs SCHD

VIVLX vs SCHD: Dividend Comparison 2026

VIVLX yields 6.22% · SCHD yields 3.46%● Live data

vsPost on X →

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

🏆 VIVLX wins by $1.1K in total portfolio value

INVESTMENT

TIME HORIZON10 years

VIVLX

● Live price

6.22%

Share price

$32.18

Annual div

$2.00

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$30.1K

Annual income

$923.31

Full VIVLX 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 — VIVLX vs SCHD

📍 VIVLX 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	VIVLX	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, VIVLX + SCHD cover 0 of 12 months — good coverage

Jan

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Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

VIVLX 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.

VIVLX

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

$528.28/yr

After 10yr DRIP, annual income (after tax)

$784.81/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, VIVLX beats the other by $422.76/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 VIVLX + SCHD for your $10,000?

VIVLX: 50%SCHD: 50%

100% SCHD50/50100% VIVLX

Portfolio after 10yr

$29.6K

Annual income

$674.63/yr

Blended yield

2.28%

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

VIVLX 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 →

MetricVIVLXSCHD

Forward yield	6.22% ✓	3.46%
Annual dividend / share	$2.00 ✓	$1.06
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	0%	0%
Portfolio after 10y	$30.1K ✓	$29.0K
Annual income after 10y	$923.31 ✓	$425.95
Total dividends collected	$7.8K ✓	$3.9K
Payment frequency	quarterly	quarterly
Sector	Stock	ETF

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

Year	VIVLX Portfolio	VIVLX Income/yr	SCHD Portfolio	SCHD Income/yr	Gap
1← crossover	$11,322	$621.50	$11,226	$346.36	+$96.00 → VIVLX
2	$12,772	$657.60	$12,572	$357.38	+$200.00 → VIVLX
3	$14,359	$693.30	$14,046	$367.84	+$313.00 → VIVLX
4	$16,093	$728.47	$15,660	$377.73	+$433.00 → VIVLX
5	$17,982	$763.02	$17,425	$387.07	+$557.00 → VIVLX
6	$20,038	$796.83	$19,354	$395.86	+$684.00 → VIVLX
7	$22,270	$829.83	$21,461	$404.13	+$809.00 → VIVLX
8	$24,691	$861.94	$23,762	$411.89	+$929.00 → VIVLX
9	$27,312	$893.12	$26,272	$419.15	+$1.0K → VIVLX
10	$30,148	$923.31	$29,010	$425.95	+$1.1K → VIVLX

VIVLX vs SCHD: Complete Analysis 2026

VIVLX — Stock

The investment seeks to provide capital appreciation and current income consistent with its current asset allocation. The fund invests in a mix of Vanguard mutual funds according to an asset allocation strategy designed for investors planning to retire and leave the workforce in or within a few years of 2055 (the target year). The fund's asset allocation will become more conservative over time, meaning that the percentage of assets allocated to stocks will decrease while the percentage of assets allocated to bonds and other fixed income investments will increase.

Full VIVLX 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.