HomeCompareVMLTX vs SCHD

VMLTX vs SCHD: Dividend Comparison 2026

VMLTX yields 3.05% · SCHD yields 3.46%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 SCHD wins by $4.7K in total portfolio value
10 years
VMLTX
VMLTX
● Live price
3.05%
Share price
$10.93
Annual div
$0.33
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$24.3K
Annual income
$371.73
Full VMLTX 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 — VMLTX 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 PeriodVMLTXSCHD
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, VMLTX + SCHD cover 0 of 12 monthsgood coverage

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

VMLTX
Annual income on $10K today (after 15% tax)
$259.55/yr
After 10yr DRIP, annual income (after tax)
$315.97/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 $46.09/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

VMLTX: 50%SCHD: 50%
100% SCHD50/50100% VMLTX
Portfolio after 10yr
$26.7K
Annual income
$398.84/yr
Blended yield
1.50%
🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

VMLTX buys
0
SCHD buys
0
No recent congressional trades found for VMLTX or SCHD in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricVMLTXSCHD
Forward yield3.05%3.46%
Annual dividend / share$0.33$1.06
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR0%0%
Portfolio after 10y$24.3K$29.0K
Annual income after 10y$371.73$425.95
Total dividends collected$3.4K$3.9K
Payment frequencyquarterlyquarterly
SectorStockETF

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

YearVMLTX PortfolioVMLTX Income/yrSCHD PortfolioSCHD Income/yrGap
1← crossover$11,005$305.35$11,226$346.36$221.00SCHD
2$12,090$314.07$12,572$357.38$482.00SCHD
3$13,259$322.44$14,046$367.84$787.00SCHD
4$14,517$330.48$15,660$377.73$1.1KSCHD
5$15,871$338.18$17,425$387.07$1.6KSCHD
6$17,328$345.54$19,354$395.86$2.0KSCHD
7$18,894$352.57$21,461$404.13$2.6KSCHD
8$20,575$359.28$23,762$411.89$3.2KSCHD
9$22,381$365.66$26,272$419.15$3.9KSCHD
10$24,320$371.73$29,010$425.95$4.7KSCHD

VMLTX vs SCHD: Complete Analysis 2026

VMLTXStock

This low-cost municipal bond fund seeks to provide income exempt from federal taxes and typically appeals to investors in higher tax brackets. The fund holds high-quality short-term municipal bonds with an average duration of approximately 2 years, a bit longer than the Short-Term Tax-Exempt Fund. Risks of the fund include the fact that changes in interest rates, both up and down, can affect the fund by resulting in lower bond prices or an eventual decrease in income for the fund. Investors who are looking for a modest level of federal tax-exempt interest income and can tolerate some income and share price risk may wish to consider this fund.

Full VMLTX 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.