Is VT or SCHD a better dividend investment in 2026?

VT currently yields 1.85% with a 5% 5-year dividend growth rate. SCHD yields 3.44% with 13.05% growth. The better choice depends on your goal: SCHD offers higher current income.

What is the dividend yield difference between VT and SCHD?

VT has a forward dividend yield of 1.85% ($2.52/share annually). SCHD yields 3.44% ($1.06/share annually). The yield gap is 1.59 percentage points.

Home › Compare › VT vs SCHD

VT vs SCHD: Dividend Comparison 2026

VT yields 1.85% · SCHD yields 3.44%● Live data

vsPost on X →

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

🏆 SCHD wins by $6.6K in total portfolio value

INVESTMENT

TIME HORIZON10 years

● Live price

1.85%

Share price

$135.68

Annual div

$2.52

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$22.4K

Annual income

$209.00

Full VT calculator →

SCHD

Schwab U.S. Dividend Equity ETF

● Live price

3.44%

Share price

$30.70

Annual div

$1.06

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$29.0K

Annual income

$422.28

Full SCHD calculator →

Portfolio growth — VT 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 Period	VT	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, VT + SCHD cover 0 of 12 months — good coverage

Jan

—

Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

VT 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.

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

$157.57/yr

After 10yr DRIP, annual income (after tax)

$177.65/yr

SCHD

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

$292.29/yr

After 10yr DRIP, annual income (after tax)

$358.94/yr

At 15% tax rate, SCHD beats the other by $181.29/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 VT + SCHD for your $10,000?

VT: 50%SCHD: 50%

100% SCHD50/50100% VT

Portfolio after 10yr

$25.7K

Annual income

$315.64/yr

Blended yield

1.23%

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

VT 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 →

MetricVTSCHD

Forward yield	1.85%	3.44% ✓
Annual dividend / share	$2.52 ✓	$1.06
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	0%	0%
Portfolio after 10y	$22.4K	$29.0K ✓
Annual income after 10y	$209.00	$422.28 ✓
Total dividends collected	$2.0K	$3.9K ✓
Payment frequency	quarterly	quarterly
Sector	Stock	ETF

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

Year	VT Portfolio	VT Income/yr	SCHD Portfolio	SCHD Income/yr	Gap
1← crossover	$10,885	$185.38	$11,224	$343.88	$339.00 → SCHD
2	$11,836	$188.59	$12,566	$354.74	$730.00 → SCHD
3	$12,856	$191.64	$14,037	$365.05	$1.2K → SCHD
4	$13,951	$194.54	$15,647	$374.80	$1.7K → SCHD
5	$15,124	$197.29	$17,408	$383.99	$2.3K → SCHD
6	$16,383	$199.90	$19,333	$392.66	$3.0K → SCHD
7	$17,732	$202.37	$21,435	$400.80	$3.7K → SCHD
8	$19,178	$204.71	$23,730	$408.43	$4.6K → SCHD
9	$20,728	$206.92	$26,233	$415.59	$5.5K → SCHD
10	$22,387	$209.00	$28,964	$422.28	$6.6K → SCHD

VT vs SCHD: Complete Analysis 2026

VT — Stock

Invests in both foreign and U.S. stocks. Seeks to track the performance of the FTSE Global All Cap Index, which covers both well-established and still-developing markets. Has high potential for growth, but also high risk; share value may swing up and down more than U.S. or international stock funds. Only appropriate for long-term goals.

Full VT 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.