HomeCompareVTIFX vs SCHD

VTIFX vs SCHD: Dividend Comparison 2026

VTIFX yields 4.49% · SCHD yields 3.46%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 SCHD wins by $2.2K in total portfolio value
10 years
VTIFX
VTIFX
● Live price
4.49%
Share price
$28.70
Annual div
$1.29
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$26.8K
Annual income
$598.63
Full VTIFX 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 — VTIFX 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 PeriodVTIFXSCHD
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, VTIFX + SCHD cover 0 of 12 monthsgood coverage

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

Tax Bracket Optimizer

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

VTIFX
Annual income on $10K today (after 15% tax)
$381.61/yr
After 10yr DRIP, annual income (after tax)
$508.84/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, VTIFX beats the other by $146.78/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

VTIFX: 50%SCHD: 50%
100% SCHD50/50100% VTIFX
Portfolio after 10yr
$27.9K
Annual income
$512.28/yr
Blended yield
1.83%
🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

VTIFX 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 →
MetricVTIFXSCHD
Forward yield4.49%3.46%
Annual dividend / share$1.29$1.06
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR0%0%
Portfolio after 10y$26.8K$29.0K
Annual income after 10y$598.63$425.95
Total dividends collected$5.3K$3.9K
Payment frequencyquarterlyquarterly
SectorStockETF

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

YearVTIFX PortfolioVTIFX Income/yrSCHD PortfolioSCHD Income/yrGap
1← crossover$11,149$448.95$11,226$346.36$77.00SCHD
2$12,397$467.79$12,572$357.38$175.00SCHD
3$13,751$486.14$14,046$367.84$295.00SCHD
4$15,218$503.95$15,660$377.73$442.00SCHD
5$16,804$521.21$17,425$387.07$621.00SCHD
6$18,518$537.90$19,354$395.86$836.00SCHD
7$20,369$553.99$21,461$404.13$1.1KSCHD
8$22,364$569.48$23,762$411.89$1.4KSCHD
9$24,514$584.36$26,272$419.15$1.8KSCHD
10$26,828$598.63$29,010$425.95$2.2KSCHD

VTIFX vs SCHD: Complete Analysis 2026

VTIFXStock

This fund is designed to provide broad exposure to non-U.S. investment-grade bonds. The fund seeks to track the performance of an index that includes international government, agency, and corporate securities, mostly from developed countries, but also some emerging markets countries. Like other bond funds, the fund is subject to interest rate risk; increases in interest rates may cause the price of the bonds in the portfolio to decrease, reducing the fund’s NAV. Because it invests in non-U.S. bonds, the fund is also subject to additional risks, such as country/regional risk. The fund employs currency hedging strategies to protect against uncertainty in future exchange rates, so investment returns are expected to reflect the underlying performance of international bonds. Long-term investors who want to add an international position to their bond portfolio may wish to consider this fund as an option.With respect to 75% of its total assets, the fund may not: (1) purchase more than 10% of the outstanding voting securities of any one issuer or (2) purchase securities of any issuer if, as a result, more than 5% of the fund’s total assets would be invested in that issuer’s securities; except as may be necessary to approximate the composition of its target index. This limitation does not apply to obligations of the U.S. government or its agencies or instrumentalities.

Full VTIFX 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.