Schwab U.S. Dividend Equity ETF Returns Calculator
Calculate historical returns and project future compounding for Schwab U.S. Dividend Equity (SCHD). Test different monthly amounts, tenures, and step-up scenarios using real historical NAV performance.
Category
Large Value / Dividend (US)
AUM
$112.34 Billion
Expense Ratio
0.06%
Fund Manager
Schwab Asset Management
Schwab U.S. Dividend Equity (SCHD) Historical SIP Performance & Returns Table
Historical value of standard monthly SIP investments based on actual fund CAGRs.
| Monthly SIP | 3 Years @ 15.8% CAGR | 5 Years @ 9.7% CAGR | 10 Years @ 12.6% CAGR |
|---|---|---|---|
| $100/mo | $4,630 Invested: $3,600 | $7,741 Invested: $6,000 | $24,010 Invested: $12,000 |
| $250/mo | $11,574 Invested: $9,000 | $19,351 Invested: $15,000 | $60,025 Invested: $30,000 |
| $500/mo | $23,148 Invested: $18,000 | $38,703 Invested: $30,000 | $120,050 Invested: $60,000 |
| $1,000/mo | $46,296 Invested: $36,000 | $77,405 Invested: $60,000 | $240,100 Invested: $120,000 |
| $2,500/mo | $115,740 Invested: $90,000 | $193,513 Invested: $150,000 | $600,249 Invested: $300,000 |
* Projections calculated using actual historical 3-year (15.82%), 5-year (9.68%), and 10-year (12.55%) performance data. Actual mutual fund returns fluctuate with market NAV.
About Schwab U.S. Dividend Equity ETF
Schwab U.S. Dividend Equity ETF (SCHD) is the undisputed king of dividend exchange-traded funds, managing over $108 Billion in assets. Tracking the Dow Jones U.S. Dividend 100 Index at a low 0.06% expense ratio, SCHD selects 100 high-quality US companies with a 10-year record of paying dividends, screening for financial strength and high Return on Equity (ROE).
Investment Strategy
Quality Dividend Growth Indexing â Replicates the Dow Jones U.S. Dividend 100 Index. Screens the US equity universe for companies with at least 10 consecutive years of dividend payments, then ranks them by 4 fundamental criteria: cash flow-to-total debt, Return on Equity (ROE), indicated dividend yield, and 5-year dividend growth rate.
Key Facts
- World's most popular dividend ETF with over $108.7 Billion in assets under management
- 10-year consecutive dividend payment requirement eliminates dividend cut risks
- Rigorous quality screen: ROE, Cash Flow/Debt, and 5-Year Dividend Growth Rate
- Ultra-low 0.06% expense ratio ($6 per year per $10,000 invested)
Historical Returns
3-Year CAGR
15.82%
5-Year CAGR
9.68%
10-Year CAGR
12.55%
Benchmark
Dow Jones U.S. Dividend 100 Index
Historical annualized returns as of August 2026. Past performance is no guarantee of future results.
Top Holdings & Sector Allocation
As of September 2026, Schwab U.S. Dividend Equity (SCHD)'s portfolio includes:
Top 5 Holdings
- Broadcom Inc. (AVGO)
- Home Depot Inc. (HD)
- AbbVie Inc. (ABBV)
- Chevron Corp. (CVX)
- Texas Instruments (TXN)
- Amgen Inc. (AMGN)
- PepsiCo Inc. (PEP)
Sector Allocation
Financials 18.5%, Healthcare 16.2%, Industrials 15.8%, Information Technology 14.5%, Consumer Staples 13.2%, Energy 11.4%, Others 10.4%
Risk & Drawdowns
Standard deviation is ~14.1% offering high quality, low-beta characteristics.
Significantly outperformed broad market indexes during the 2022 inflationary selloff.
Tax Treatment
Quarterly dividend distributions qualify almost 100% for preferential qualified dividend tax rates (0%/15%/20%).
Who Should NOT Invest in Schwab U.S. Dividend Equity (SCHD)?
Speculative growth investors seeking pure non-dividend high-multiple momentum.
About the Fund Manager
Managed by Schwab Asset Management passive equity indexing committee.
Who Is This Fund Suitable For?
The premier choice for dividend growth investors, FIRE community members, income seekers, and long-term accumulators seeking high cash flow and exceptional total returns.
More Funds from Schwab & Similar Schemes
Similar Funds to Consider
- Vanguard Dividend Appreciation ETF (VIG)
- Capital Group Dividend Value ETF (CGDV)
- iShares Core Dividend Growth ETF (DGRO)
Or compare side by side using our main SIP calculator â you can test different funds with the same investment amount and dates to see which performed better.
Other Tools for Schwab U.S. Dividend Equity (SCHD) Investors
- FIRE Calculator â Plan your retirement corpus with Schwab U.S. Dividend Equity (SCHD) as part of your portfolio
- Cost of Delay Calculator â See how much delaying your SIP in Schwab U.S. Dividend Equity (SCHD) could cost you
- SIP vs EMI Calculator â Compare investing in Schwab U.S. Dividend Equity (SCHD) vs paying off loans
Frequently Asked Questions About Schwab U.S. Dividend Equity (SCHD)
What is the historical SIP return of Schwab U.S. Dividend Equity (SCHD)?
Based on the latest data, Schwab U.S. Dividend Equity (SCHD) has delivered an annualized return (CAGR) of 15.82% over 3 years, 9.68% over 5 years, and 12.55% over 10 years. Significantly outperformed broad market indexes during the 2022 inflationary selloff.
How is Schwab U.S. Dividend Equity (SCHD) SIP return calculated?
SIP returns are calculated using the XIRR (Extended Internal Rate of Return) method. Each monthly installment buys units at the fund's Net Asset Value (NAV) on that specific day. When markets are down, your SIP buys more units, and when markets are up, it buys fewer units (rupee cost averaging). Our calculator replays this exact process using historical NAV data to compute the precise current value of your accumulated units.
How much return would $500 monthly SIP in Schwab U.S. Dividend Equity (SCHD) generate over 5 years?
At an estimated annual return rate of 9.68%, a monthly $500 investment ($30,000 total invested) would grow to approximately $38,703 in 5 years, yielding an estimated wealth gain of $8,703. Use our interactive calculator above to test custom amounts with actual historical NAV data.
What are the top holdings in Schwab U.S. Dividend Equity (SCHD)?
Schwab U.S. Dividend Equity (SCHD)'s top holdings include Broadcom Inc. (AVGO), Home Depot Inc. (HD), AbbVie Inc. (ABBV), and Chevron Corp. (CVX). The fund's sector allocation is Financials 18.5%, Healthcare 16.2%, Industrials 15.8%, Information Technology 14.5%, Consumer Staples 13.2%, Energy 11.4%, Others 10.4%.
What is the risk profile of Schwab U.S. Dividend Equity (SCHD)?
Standard deviation is ~14.1% offering high quality, low-beta characteristics. This fund may not be suitable for speculative growth investors seeking pure non-dividend high-multiple momentum..
What are the tax implications of investing in Schwab U.S. Dividend Equity (SCHD)?
Quarterly dividend distributions qualify almost 100% for preferential qualified dividend tax rates (0%/15%/20%).
Data last updated: September 2026 | Fund data sourced from SEC filings and public exchanges
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