HomeCompareVMMSX vs SCHD

VMMSX vs SCHD: Dividend Comparison 2026

VMMSX yields 2.30% · SCHD yields 3.46%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 SCHD wins by $5.9K in total portfolio value
10 years
VMMSX
VMMSX
● Live price
2.30%
Share price
$28.23
Annual div
$0.65
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$23.1K
Annual income
$267.37
Full VMMSX 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 — VMMSX 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 PeriodVMMSXSCHD
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, VMMSX + SCHD cover 0 of 12 monthsgood coverage

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

Tax Bracket Optimizer

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

VMMSX
Annual income on $10K today (after 15% tax)
$195.83/yr
After 10yr DRIP, annual income (after tax)
$227.26/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 $134.79/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

VMMSX: 50%SCHD: 50%
100% SCHD50/50100% VMMSX
Portfolio after 10yr
$26.1K
Annual income
$346.65/yr
Blended yield
1.33%
🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

VMMSX 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 →
MetricVMMSXSCHD
Forward yield2.30%3.46%
Annual dividend / share$0.65$1.06
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR0%0%
Portfolio after 10y$23.1K$29.0K
Annual income after 10y$267.37$425.95
Total dividends collected$2.5K$3.9K
Payment frequencyquarterlyquarterly
SectorStockETF

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

YearVMMSX PortfolioVMMSX Income/yrSCHD PortfolioSCHD Income/yrGap
1← crossover$10,930$230.39$11,226$346.36$296.00SCHD
2$11,931$235.35$12,572$357.38$641.00SCHD
3$13,006$240.09$14,046$367.84$1.0KSCHD
4$14,161$244.61$15,660$377.73$1.5KSCHD
5$15,401$248.90$17,425$387.07$2.0KSCHD
6$16,732$252.99$19,354$395.86$2.6KSCHD
7$18,161$256.88$21,461$404.13$3.3KSCHD
8$19,692$260.56$23,762$411.89$4.1KSCHD
9$21,335$264.06$26,272$419.15$4.9KSCHD
10$23,096$267.37$29,010$425.95$5.9KSCHD

VMMSX vs SCHD: Complete Analysis 2026

VMMSXStock

This actively managed fund provides exposure primarily to emerging markets outside of the United States at a relatively low cost. Stocks of companies in emerging markets tend to be more volatile than those in developed countries, which could imply the potential for greater long-term returns. Along with this potential, however, comes risks such as currency and political risks. Long-term, risk-tolerant investors who want to diversify their international portfolio may wish to consider this fund.

Full VMMSX 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.