HomeCompareVNYTX vs SCHD

VNYTX vs SCHD: Dividend Comparison 2026

VNYTX yields 3.65% · SCHD yields 3.46%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 SCHD wins by $3.7K in total portfolio value
10 years
VNYTX
VNYTX
● Live price
3.65%
Share price
$10.72
Annual div
$0.39
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$25.3K
Annual income
$461.94
Full VNYTX 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 — VNYTX 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 PeriodVNYTXSCHD
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, VNYTX + SCHD cover 0 of 12 monthsgood coverage

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

VNYTX
Annual income on $10K today (after 15% tax)
$310.48/yr
After 10yr DRIP, annual income (after tax)
$392.65/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, VNYTX beats the other by $30.59/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

VNYTX: 50%SCHD: 50%
100% SCHD50/50100% VNYTX
Portfolio after 10yr
$27.2K
Annual income
$443.94/yr
Blended yield
1.63%
🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

VNYTX buys
0
SCHD buys
0
No recent congressional trades found for VNYTX or SCHD in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricVNYTXSCHD
Forward yield3.65%3.46%
Annual dividend / share$0.39$1.06
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR0%0%
Portfolio after 10y$25.3K$29.0K
Annual income after 10y$461.94$425.95
Total dividends collected$4.2K$3.9K
Payment frequencyquarterlyquarterly
SectorStockETF

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

YearVNYTX PortfolioVNYTX Income/yrSCHD PortfolioSCHD Income/yrGap
1← crossover$11,065$365.27$11,226$346.36$161.00SCHD
2$12,218$377.74$12,572$357.38$354.00SCHD
3$13,463$389.79$14,046$367.84$583.00SCHD
4$14,806$401.41$15,660$377.73$854.00SCHD
5$16,255$412.60$17,425$387.07$1.2KSCHD
6$17,817$423.35$19,354$395.86$1.5KSCHD
7$19,497$433.65$21,461$404.13$2.0KSCHD
8$21,306$443.51$23,762$411.89$2.5KSCHD
9$23,250$452.94$26,272$419.15$3.0KSCHD
10$25,340$461.94$29,010$425.95$3.7KSCHD

VNYTX vs SCHD: Complete Analysis 2026

VNYTXStock

The fund’s investment objective is to seek to provide current income that is exempt from both federal and New York personal income taxes. The fund is intended for New York residents only. It invests primarily in high-quality municipal bonds issued by New York state and local governments, as well as by regional government and public financing authorities. Under normal circumstances, at least 80% of the fund’s assets will be invested in securities whose income is exempt from federal and New York state taxes. Although the fund has no limitations on the maturities of individual securities, its dollar-weighted average maturity is expected to be between 10 and 25 years. The fund has an average duration of approximately 6-10 years, making its share price considerably more susceptible to changes in interest rates than shorter-term bond funds. Investors who are looking for a fund that may provide federal and New York state tax-exempt interest income and can tolerate interest rate risk may wish to consider this fund.

Full VNYTX 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.