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VYM vs SCHD: Dividend Comparison 2026

VYM yields 2.91% · SCHD yields 3.77% · See full DRIP projection below

vsEnter any two US tickers
After 10 years · $10,000 invested · DRIP enabled
🏆 SCHD wins by $5.5K in total portfolio value
10 years
VYM
Vanguard High Dividend Yield ETF
2.91%
Share price
$118.40
Annual div
$3.44
5Y div CAGR
7.8%
Payout ratio
45%
After 10 yrs · $10,000 · DRIP
Portfolio value
$31.3K
Annual income
$785.17
Full VYM calculator →
SCHD
Schwab U.S. Dividend Equity ETF
3.77%
Share price
$27.84
Annual div
$1.05
5Y div CAGR
13.05%
Payout ratio
38%
After 10 yrs · $10,000 · DRIP
Portfolio value
$36.7K
Annual income
$1,925.82
Full SCHD calculator →

Portfolio growth — VYM vs SCHD

Annual dividend income

MetricVYMSCHD
Forward yield2.91%3.77%
Annual dividend / share$3.44$1.05
Payout ratio45%38%
1-year div growth6.2%5.18%
5-year div CAGR7.8%13.05%
Portfolio after 10y$31.3K$36.7K
Annual income after 10y$785.17$1,925.82
Total dividends collected$5.2K$10.1K
Payment frequencyquarterlyquarterly
SectorETFETF

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

YearVYM PortfolioVYM Income/yrSCHD PortfolioSCHD Income/yrGap
1$11,223$313.20$11,306$426.37$83.00SCHD
2$12,592$347.33$12,802$500.91$210.00SCHD
3$14,123$385.04$14,518$589.33$395.00SCHD
4$15,835$426.70$16,490$694.43$655.00SCHD
5$17,748$472.73$18,761$819.56$1.0KSCHD
6$19,887$523.54$21,381$968.84$1.5KSCHD
7$22,276$579.64$24,409$1,147.26$2.1KSCHD
8$24,945$641.54$27,918$1,360.94$3.0KSCHD
9$27,925$709.84$31,993$1,617.39$4.1KSCHD
10$31,251$785.17$36,734$1,925.82$5.5KSCHD

VYM vs SCHD: Complete Analysis 2026

VYMETF

VYM tracks the FTSE High Dividend Yield Index, holding ~450 large-cap US companies with above-average dividend yields. With an ultra-low 0.06% expense ratio, it's one of the cheapest dividend ETFs available. Excellent core holding for long-term dividend growth investors seeking broad diversification and reliable income.

Full VYM Calculator →

SCHDETF

SCHD tracks the Dow Jones U.S. Dividend 100 Index, focusing on quality companies with consistent dividend histories. With $60B+ AUM, it's the most popular dividend ETF in the US — combining income with quality. Only companies with 10+ consecutive years of dividends qualify. The ETF rebalances annually and has delivered market-beating total returns since inception in 2011.

Full SCHD Calculator →

Frequently Asked Questions

Is VYM or SCHD better for dividend income in 2026?
VYM currently offers a 2.91% yield (3.44/share/year) while SCHD offers 3.77% (1.05/share/year). SCHD provides higher current income. However, SCHD has grown its dividend faster (13.05% 5Y CAGR), which may lead to better long-term income through compounding.
How much would $10,000 in VYM vs SCHD earn per year?
With $10,000 invested today: VYM pays approximately $291/year. SCHD pays approximately $377/year. With DRIP reinvestment over 10 years, these grow to $785/year (VYM) and $1,926/year (SCHD).
Does VYM or SCHD pay monthly dividends?
VYM pays quarterly dividends. SCHD pays quarterly dividends. Neither pay monthly — both use a quarterly schedule, which is preferred by investors who need regular cash flow.
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⚠️ Educational purposes only. Not financial advice. All projections use historical data; actual results will vary.