Is WHOSX or SCHD a better dividend investment in 2026?

WHOSX currently yields 4.12% with a 5% 5-year dividend growth rate. SCHD yields 3.46% with 13.05% growth. The better choice depends on your goal: WHOSX offers higher current income.

What is the dividend yield difference between WHOSX and SCHD?

WHOSX has a forward dividend yield of 4.12% ($0.41/share annually). SCHD yields 3.46% ($1.06/share annually). The yield gap is 0.66 percentage points.

Home › Compare › WHOSX vs SCHD

WHOSX vs SCHD: Dividend Comparison 2026

WHOSX yields 4.12% · SCHD yields 3.46%● Live data

vsPost on X →

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

🏆 WHOSX wins by $2115.42M in total portfolio value

INVESTMENT

TIME HORIZON10 years

WHOSX

● Live price

4.12%

Share price

$10.00

Annual div

$0.41

5Y div CAGR

100%

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$2115.44M

Annual income

$2,021,188,475.60

Full WHOSX calculator →

SCHD

Schwab U.S. Dividend Equity ETF

● Live price

3.46%

Share price

$30.48

Annual div

$1.06

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$29.0K

Annual income

$425.95

Full SCHD calculator →

Portfolio growth — WHOSX vs SCHD

📍 WHOSX 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	WHOSX	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, WHOSX + SCHD cover 0 of 12 months — good coverage

Jan

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Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

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Oct

—

Nov

—

Dec

—

WHOSX 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.

WHOSX

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

$350.15/yr

After 10yr DRIP, annual income (after tax)

$1,718,010,204.26/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, WHOSX beats the other by $1,718,009,842.20/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 WHOSX + SCHD for your $10,000?

WHOSX: 50%SCHD: 50%

100% SCHD50/50100% WHOSX

Portfolio after 10yr

$1057.74M

Annual income

$1,010,594,450.77/yr

Blended yield

95.54%

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

WHOSX 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 →

MetricWHOSXSCHD

Forward yield	4.12% ✓	3.46%
Annual dividend / share	$0.41	$1.06 ✓
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	100% ✓	0%
Portfolio after 10y	$2115.44M ✓	$29.0K
Annual income after 10y	$2,021,188,475.60 ✓	$425.95
Total dividends collected	$2108.72M ✓	$3.9K
Payment frequency	quarterly	quarterly
Sector	Stock	ETF

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

Year	WHOSX Portfolio	WHOSX Income/yr	SCHD Portfolio	SCHD Income/yr	Gap
1← crossover	$11,524	$823.88	$11,226	$346.36	+$298.00 → WHOSX
2	$14,105	$1,774.63	$12,572	$357.38	+$1.5K → WHOSX
3	$19,153	$4,060.09	$14,046	$367.84	+$5.1K → WHOSX
4	$30,798	$10,304.60	$15,660	$377.73	+$15.1K → WHOSX
5	$63,926	$30,972.07	$17,425	$387.07	+$46.5K → WHOSX
6	$188,564	$120,163.21	$19,354	$395.86	+$169.2K → WHOSX
7	$864,284	$662,521.11	$21,461	$404.13	+$842.8K → WHOSX
8	$6,600,808	$5,676,023.46	$23,762	$411.89	+$6.58M → WHOSX
9	$88,090,057	$81,027,192.68	$26,272	$419.15	+$88.06M → WHOSX
10	$2,115,444,837	$2,021,188,475.60	$29,010	$425.95	+$2115.42M → WHOSX

WHOSX vs SCHD: Complete Analysis 2026

WHOSX — Stock

The fund typically invests at least 90% of the fund's total assets in U.S. Treasury securities and in repurchase agreements collateralized by such securities. The adviser adjusts the average maturity and effective duration of the fund's portfolio based on HIMCO's assessment of multi-year trends in national and international economic conditions.

Full WHOSX 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.