미국 ETF/주식SCHDETF

Schwab US Dividend Equity ETF 계산기

SCHD focuses on U.S. dividend equities with an emphasis on dividend durability and company quality.

비중을 볼 때 확인할 점

  • Commonly compared as a core dividend-growth ETF.
  • Growth-stock exposure can be lower than broad market indexes.

리밸런싱 전 리스크

  • Dividend-style underperformance can weigh on returns.
  • Sector composition changes can affect performance.

계산기에서 확인하는 순서

  1. 1.Schwab US Dividend Equity ETF를 포트폴리오에 추가합니다.
  2. 2.보유 수량, 현금, 목표 비중을 입력합니다.
  3. 3.목표보다 과대·과소 편입인지 보고 매수·매도 필요 수량을 확인합니다.

비중 계산 기준

리밸런싱 계산기는 Schwab US Dividend Equity ETF의 현재 평가금액, 포트폴리오 현금, 다른 보유 종목의 평가금액을 함께 놓고 목표 비중과의 차이를 계산합니다. 실제 주문 수량은 현재가, 환율, 거래 수수료, 최소 주문 단위에 따라 달라질 수 있으므로 결과를 주문 전 점검용으로 사용하세요.

이 페이지를 쓰는 상황

신규 매수 전 목표 비중을 정하거나, Schwab US Dividend Equity ETF 비중이 커진 뒤 일부를 줄일지 확인할 때 유용합니다. 여러 종목을 함께 보유한다면 단일 수익률보다 전체 포트폴리오에서 차지하는 비중과 변동성 기여도를 먼저 확인하는 편이 안전합니다.

리밸런싱 계산기로 이동종목 비중 최적화

SCHD vs VYM: Which ETF Is Better in 2026?

Compare SCHD vs VYM by expense ratio, dividend yield, holdings, portfolio role, and rebalancing use case. See which ETF fits your 2026 portfolio.

Quick Verdict

SCHD vs VYM at a glance

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Verdict

SCHD

SCHD is usually the stronger choice for long-term dividend growth and quality. VYM offers broader diversification across high dividend stocks, but SCHD has a clearer quality and dividend sustainability profile.

Lower fee

Tie

0.06%

Higher yield

SCHD

3.4%

Broader holdings

VYM

537

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Add both ETFs, set target weights, and check how much to buy or sell to keep your portfolio aligned.

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Key Differences

  • 1SCHD emphasizes quality and dividend durability; VYM offers broad high-dividend exposure
  • 2VYM usually owns more stocks and provides broader issuer diversification
  • 3SCHD fits long-term dividend growth investors
  • 4VYM investors should review sector exposure such as financials, industrials and energy
  • 5Holding both can create dividend-stock overlap, so define one as the core

Conclusion

Recommended:SCHD

SCHD is usually the stronger choice for long-term dividend growth and quality. VYM offers broader diversification across high dividend stocks, but SCHD has a clearer quality and dividend sustainability profile.

Comparison Snapshot

Use the table below to compare cost, income, diversification, and portfolio role before making an allocation decision.

CategorySCHDVYM
Fund NameSchwab US Dividend Equity ETFVanguard High Dividend Yield ETF
Current Price......
CategoryDividend ETFsDividend ETFs
Expense Ratio0.06%0.06%
Dividend Yield3.42%2.75%
Holdings104537

SCHD Top Holdings

  1. 1. Broadcom
  2. 2. Merck
  3. 3. Amgen
  4. 4. Home Depot
  5. 5. PepsiCo

VYM Top Holdings

  1. 1. Broadcom
  2. 2. JPMorgan
  3. 3. Exxon Mobil
  4. 4. Procter & Gamble

SCHD Features

  • •High dividend yield
  • •Low volatility
  • •Quality large-cap focused
  • •Quarterly dividends

VYM Features

  • •High dividend
  • •Large-cap stocks
  • •Diversified investment
  • •Low expense ratio

Pros & Cons

SCHD

Advantages
  • ✓ Stable dividend income
  • ✓ Low expense ratio
  • ✓ Superior company selection
Disadvantages
  • ⚠ Lower returns vs. growth stocks
  • ⚠ Weakness during rising rates
  • ⚠ Sector concentration risk

VYM

Advantages
  • ✓ High dividend income
  • ✓ Stable companies
  • ✓ Low volatility
Disadvantages
  • ⚠ Limited growth potential
  • ⚠ Interest rate sensitive
  • ⚠ Sector bias

Investment Strategy

Best For: SCHD

Maintain target allocation through quarterly rebalancing; use dividend reinvestment strategy

Best For: VYM

Suitable for income investors; diversify with SCHD

Detailed Analysis

1. Analysis

SCHD and VYM are frequently compared by dividend investors. Both invest in US dividend stocks, but their portfolio construction differs.

SCHD emphasizes dividend durability, financial strength and quality. It is not simply a high-yield ETF; it is closer to a dividend growth and quality strategy.

VYM provides broader exposure to high-dividend US stocks. It usually owns more companies, which can improve diversification, but the screening approach differs from SCHD.

2. Investor Fit

SCHD fits investors who want dividend growth, quality and long-term total return potential.

VYM fits investors who want broad high-dividend market exposure and prefer wider holdings diversification.

3. Holding Both

SCHD and VYM overlap in role because both sit in the US dividend sleeve. Holding both can be fine, but one should be defined as the core to avoid unnecessary duplication.

4. Rebalancing Use

Use the dividend calculator to estimate after-tax income and the rebalancing calculator to keep dividend ETF exposure from crowding out broad equity and bond allocations.

5. Conclusion

SCHD vs VYM is a choice between quality dividend growth and broad high-dividend diversification. SCHD is the better default for long-term dividend growth, while VYM is useful when broad high-yield exposure is the priority.

SCHD vs VYM Investment Guide

Both SCHD and VYM are popular US ETFs, but they differ in investment strategy and portfolio role. SCHD has an expense ratio of 0.06%, while VYM charges 0.06%, Both ETFs share the same cost structure. In terms of dividend yield, SCHD offers 3.42% while VYM offers 2.75%, making SCHD the better choice for income investors.

When choosing between the two, consider your investment goals, time horizon, and risk tolerance. If long-term growth is your priority, favor the ETF with lower fees and broader diversification. If you need steady cash flow, the higher-yielding ETF may be more suitable. You can also hold both in your portfolio for a complementary approach.

Regardless of which ETF you choose, maintaining your target allocation through regular rebalancing is key to long-term performance. Review your portfolio quarterly or semi-annually, and adjust if weights have drifted significantly. Our rebalancing calculator can automatically determine the buy/sell quantities for each holding.

5 Things to Check When Comparing ETFs

1.

Expense Ratio: Even a 0.1% difference in fees can translate to thousands of dollars over long-term investing. When two ETFs track a similar index, the lower-cost option has the edge.

2.

Tracking Index & Holdings: Even ETFs in the same category may track different indices. Review the top holdings and sector weights to find the best fit for your investment goals.

3.

Dividend Policy: Compare dividend frequency (monthly vs quarterly), yield, and dividend growth rate. Monthly dividend ETFs may be preferable if you need regular cash flow.

4.

Trading Volume & Liquidity: Sufficient daily trading volume ensures you can buy and sell at fair prices. Low-volume ETFs may have wider bid-ask spreads, increasing your trading costs.

5.

Portfolio Role: Determine whether the ETF serves as a core or satellite holding in your portfolio, and size your position accordingly.

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SCHD Detail Analysis
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