SCHD Total Return Analyzer

SCHD total return combines two components: the cumulative distributions you received from SCHD over the holding period, and the change in NAV (share price) across the same window. Many high-yield funds advertise distribution rates that look spectacular in isolation but mask meaningful NAV erosion. The analyzer above shows exactly how much of your SCHD return came from distributions versus price change — a 50% annualized distribution rate paired with a 30% NAV decline is a very different investment than a 50% distribution with flat NAV.

Schwab U.S. Dividend Equity ETF (SCHD) is issued by Charles Schwab. Tracks the Dow Jones U.S. Dividend 100 Index — screens for companies with 10+ years of dividend payments and hard quality metrics (ROE, cash flow to debt, 5-year dividend growth). Holds ~100 large-cap names (Texas Instruments, UnitedHealth, Chevron, PepsiCo, Coca-Cola) reconstituted annually in March. One of the lowest-cost dividend ETFs at 0.06% expense ratio. Forward yield ~3.4%, quarterly distributions, annualized total return ~13% since 2011 inception. One of the most popular dividend ETFs by AUM. That strategy directly shapes the gap between headline yield and real yield: option-premium and covered-call funds tend to show large gaps, while traditional dividend ETFs and index funds usually show small ones.

For the detail behind each payment, see the SCHD dividend history. To project how future SCHD distributions compound under DRIP, open the SCHD dividend calculator.