SCHY vs SCHD
The international counterpart versus the original — SCHD-style dividend quality abroad versus at home. Here’s how SCHY and SCHD compare for dividend investors — with a calculator for each so you can model the income yourself.
SCHY
Schwab International Dividend Equity ETF
- Type
- International dividend ETF
- Issuer
- Charles Schwab
- Pays
- quarterly
SCHY tracks the Dow Jones International Dividend 100 Index — the international counterpart to SCHD — holding 100 high-dividend-paying companies in developed and emerging markets outside the US that pass quality and dividend-consistency screens. It is built for investors who want SCHD-style dividend quality with non-US diversification.
SCHY dividend calculatorSCHD
Schwab U.S. Dividend Equity ETF
- Type
- Dividend-growth ETF
- Issuer
- Charles Schwab
- Pays
- quarterly
SCHD tracks the Dow Jones U.S. Dividend 100 Index, which screens for companies with a long record of paying dividends plus quality and financial-strength filters. It is one of the most widely held dividend-growth ETFs, favoured for its low expense ratio and steadily rising payout.
SCHD dividend calculatorSCHY vs SCHD dividend, side by side
Current dividend figures for SCHY and SCHD as of Oct 13, 2026. Yields and payouts change — verify the latest numbers with your broker before investing.
SCHY vs SCHD at a glance
| SCHY | SCHD | |
|---|---|---|
| Index it tracks | Dow Jones International Dividend 100 Index | Dow Jones U.S. Dividend 100 Index |
| Where the stocks are | Outside the U.S. | U.S. only |
| Stocks held | 134 (Oct 15, 2026) | 98 (Oct 15, 2026) |
| Expense ratio | 0.08% | 0.06% |
| Launched | Apr 29, 2021 | Oct 20, 2011 |
| Trailing dividend yield | 3.70% (Oct 13, 2026) | 3.17% (Oct 13, 2026) |
| 30-day SEC yield | 3.77% (Oct 14, 2026) | 3.26% (Oct 14, 2026) |
| Dividend growth, 2022 to 2025 | 8.7% a year | 7.1% a year |
| Total return, 1 year | 17.20% | 23.36% |
| Total return, 3 years | 16.15% a year | 15.44% a year |
| Total return, 5 years | 9.09% a year | 9.48% a year |
| Tax cost ratio, 3 years | 1.66% | 1.06% |
From Schwab’s own fund pages, read on October 16, 2026. Returns include reinvested dividends at net asset value, through September 30, 2026.
SCHY vs SCHD dividend growth by year
| Year | SCHY | SCHD |
|---|---|---|
| 2025 | -1.29% | +5.35% |
| 2024 | +9.68% | +12.23% |
| 2023 | +18.76% | +3.77% |
Change in dividends paid per share from the year before, grouped by ex-dividend date, from each fund’s verified payment history. SCHY paid twice a year in 2022 and 2023. The higher growth each year is marked.
The same recipe, different countries
SCHD and SCHY are both Schwab funds built on Dow Jones dividend indexes. SCHD owns about 100 U.S. stocks that have paid dividends for at least 10 years and score well on yield and financial strength. SCHY applies a similar idea to companies outside the U.S., with an added screen for lower volatility.
Because one index covers only U.S. stocks and the other only foreign ones, the two funds do not overlap. Together they cover both sides of the world’s dividend payers.
What SCHY owns that SCHD does not
On June 30, 2026, SCHY’s biggest country weights were the United Kingdom (14.26%), France (13.54%) and Australia (10.25%), followed by Switzerland, Italy and Germany. Its top holdings on October 15 included Roche, Eni, British American Tobacco, DHL Group and Unilever, each near 4%.
By sector SCHY leaned on financials (15.83%), consumer staples (15.49%), industrials (14.99%) and communication services (14.45%). SCHD’s mix, by contrast, was led by consumer staples, health care and energy on October 15, 2026.
SCHY vs SCHD dividend yield
Over the 12 months to Oct 13, 2026, SCHY’s trailing yield was about 3.70% and SCHD’s about 3.17%. Schwab put SCHY’s 30-day SEC yield at 3.77% and SCHD’s at 3.26% on October 14, 2026.
In dollars, $10,000 in SCHY paid about $370 over that year, against about $317 from SCHD.
Dividend growth: SCHY grew faster, but less steadily
From 2022 to 2025, SCHY’s dividend per share grew about 8.7% a year, against 7.1% for SCHD. The path was bumpier. SCHD’s payout grew faster in 2024 and 2025, while SCHY won the other 1.
SCHY’s best year relative to SCHD was 2023 (18.76% against 3.77%), a gap of 14.99 percentage points. SCHD’s best was 2025 (5.35% against -1.29%), when SCHY’s payout dipped. In 2026 SCHY rebounded: its first three payments were about 15.8% above the same three in 2025, while SCHD’s were up 0.8%.
Returns and taxes
With dividends counted, SCHY returned 17.20% over the year to September 30, 2026, against 23.36% for SCHD. Over three years SCHY was a little ahead, 16.15% a year against 15.44%. Over five years SCHD led, 9.48% a year against 9.09%. Since its April 2021 launch SCHY turned $10,000 into about $15,558.
Taxes weigh more on SCHY in a taxable account. Schwab’s tax cost ratio, the yearly return lost to federal taxes on distributions at the top tax bracket, was 1.66% for SCHY and 1.06% for SCHD over three years. Foreign dividends are often taxed abroad before the fund receives them; Schwab posts foreign tax credit details that may let U.S. investors recover part of that.
Fund facts, returns, yields and tax cost ratios come from Schwab’s own pages for both funds. Dividends per share come from each fund’s researched guide, checked against at least two public payment records. Last checked Oct 16, 2026. Sources: Schwab Asset Management — SCHY fund page; Schwab Asset Management — SCHD fund page; stockanalysis.com — SCHY dividend history; stockanalysis.com — SCHD dividend history. Past returns do not predict future ones. Not financial advice.
Related dividend guides
How SCHY and SCHD differ
SCHY — SCHY tracks the Dow Jones International Dividend 100 Index — the international counterpart to SCHD — holding 100 high-dividend-paying companies in developed and emerging markets outside the US that pass quality and dividend-consistency screens. It is built for investors who want SCHD-style dividend quality with non-US diversification.
SCHD — SCHD tracks the Dow Jones U.S. Dividend 100 Index, which screens for companies with a long record of paying dividends plus quality and financial-strength filters. It is one of the most widely held dividend-growth ETFs, favoured for its low expense ratio and steadily rising payout.
In practice the choice comes down to your goal. SCHY suits an investor who wants income from this strategy, while SCHD suits one who wants a rising dividend over time rather than the highest starting yield. The two are not mutually exclusive — plenty of portfolios hold a growth-oriented fund and an income-oriented one together. What matters is matching each to its job and not judging a fund on its headline yield alone.
Rather than compare a single snapshot yield (which moves daily), open each calculator and enter current figures: the SCHY calculator and the SCHD calculator. To compare long-term compounding head to head, run the same contributions through the dividend reinvestment calculator with each fund’s assumptions.
SCHY vs SCHD FAQ
- Is SCHY a good ETF?
- This page does not give advice. SCHY offers foreign dividend stocks at 0.08% a year, with a higher yield than SCHD lately and faster dividend growth since 2022, but more tax drag and a shorter record.
- Is SCHY better than SCHD?
- Neither is better in every way. Over the year to September 30, 2026, SCHD returned more; over three years, SCHY did. They own completely different companies, so they can also be used together.
- Should I hold both SCHY and SCHD?
- Some investors do, to add foreign dividend payers to a U.S. core. Since the two funds share no stocks, holding both spreads money across many more companies and countries.
- How much would I need in SCHY or SCHD for $500 a month?
- Based on trailing yields from Oct 13, 2026, about $162,162 in SCHY or $189,274 in SCHD. Both pay quarterly, not monthly.
- What's the main difference between SCHY and SCHD?
- SCHY is a international dividend etf from Charles Schwab; SCHD is a dividend-growth etf from Charles Schwab. The international counterpart versus the original — SCHD-style dividend quality abroad versus at home.
- Does SCHY or SCHD pay more dividends?
- As of Oct 13, 2026, SCHY yields about 3.70% and SCHD about 3.17%, so SCHY currently pays the higher yield. SCHY pays quarterly; SCHD pays quarterly. Yields move daily, so verify current figures and use the calculators below to model the income yourself. Higher-yield funds pay more today, while dividend-growth funds start lower and raise the payout over time.
- Which is better, SCHY or SCHD?
- Neither is universally better — they suit different goals. SCHY fits an investor who wants income from this strategy; SCHD fits one who wants a rising dividend over time rather than the highest starting yield. Match the fund to your objective, time horizon, and tax situation, and consider a licensed advisor.
- Can I hold both SCHY and SCHD?
- Many investors do, to blend current income with growth. Just be aware of overlap — if both hold similar large-cap US stocks, you may be less diversified than the two tickers suggest.