House Scorecards
SCHD vs VYM — dividend scorecards side by side
The published figures and checks for SCHD and VYM, placed side by side. Each column repeats the figures and checks from that card, in the same order as the card, with nothing added and nothing reworded.
Read each column on its own first. Yield figures use different bases across cards, and each card states its own basis in the note under the figure. The checks keep the order and wording from the card. A check marked with a tick passed on the card; a check marked with an exclamation mark was flagged on the card.
| Scorecard | SCHDSchwab U.S. Dividend Equity ETFDividend ETFIn the House | VYMVanguard High Dividend Yield ETFDividend ETF |
|---|---|---|
| Yield | 3.41%Trailing | ~2.6%Trailing |
| Expense ratio | 0.06%Among the cheapest | 0.06% |
| Dividend growth | ~11%/yr10-yr CAGR | Moderate |
| Pays | Quarterly | Quarterly |
| House verdict | House verdict Quality compounder. The House's anchor. Screened for cash flow and raise history before yield, so the payout is a byproduct of profitable companies — not the product itself. | House verdict Solid compounder. Broad, cheap, and tilted to large payers without reaching into the riskiest yield names — it screens out REITs and the top-yield tail by construction. |
| Coverage check | ✓Holdings are screened on return on equity and cash-flow-to-debt; the distribution is funded by earnings, not leverage. | ✓Diversified across hundreds of payers; no single holding can break the distribution. |
| Yield check | ✓3.41% sits in the income-plus-growth band — real income that still compounds. | ✓~2.6% is the moderate-yield band — income with growth still attached. |
The full card for each fund carries the same figures and checks, with the key risk and the conditions that would change the grade. House Scorecards grades each card on its own against the published thresholds. This page makes no recommendation about SCHD or VYM. The grading rules are published on the Methodology page.