Computed head-to-head · 6 dimensions
SCHD vs YMAG
Schwab U.S. Dividend Equity ETF versus YieldMax Magnificent 7 Fund of Option Income ETFs — yield, safety, growth trend, cost, scale, and tax treatment.
SCHD wins 4–1 on our six-dimension comparison, but YMAG can still be the better fit depending on your priorities — see each dimension below.
SCHD or YMAG — which is better?
SCHD wins this comparison 4–1 across 6 dimensions. SCHD yields 3.24% — lower than YMAG's 41.09% — and carries a 7.9/10 dividend safety score (Solid) vs 4.7/10 for YMAG (Weak). SCHD wins 4–1 on our six-dimension comparison, but YMAG can still be the better fit depending on your priorities — see each dimension below.
On yield alone, YMAG generates 41.09% vs 3.24% — a 37.85% difference that translates to $37,850 more per year on a $100,000 investment. On dividend safety, SCHD scores 7.9/10 (Solid) vs 4.7/10 (Weak) for YMAG — investors prioritizing income reliability should weight that gap alongside the yield difference.
Scorecard at a glance
| Dimension | SCHD | YMAG | Winner |
|---|---|---|---|
| Yield | 3.24% | 41.09% | YMAG wins |
| Dividend safety | 7.9/10 | 4.7/10 | SCHD wins |
| Growth trend | — | — | Tie |
| Expense ratio | 6.00% | 134.00% | SCHD wins |
| Scale | $107.9B | $293M | SCHD wins |
| Tax efficiency | Qualified-eligible | Ordinary income | SCHD wins |
| Overall | 4 wins | 1 wins | SCHD wins |
Dimension by dimension
YMAG wins on yield (41.09% vs 3.24%)
On a $10,000 investment that's about $3785 more in annual dividend income before taxes — though higher yield often comes with higher risk.
YMAG's higher yield (41.09%) looks attractive but investors should weigh whether the extra income compensates for any additional risk versus SCHD's 3.24% — especially if the higher yield is driven by covered calls or a falling share price.
SCHD wins on safety (7.9/10 vs 4.7/10)
Our score combines yield zone, payout ratio, trend vs 5-year average, instrument type, and size. SCHD scores better on the weighted average of those factors.
SCHD (7.9/10) scores 3.2 points higher than YMAG (4.7/10). A higher safety score means lower historical indicators of dividend cut risk — payout ratio, yield zone, and trend all factor in.
Yield-trend comparison unavailable
One or both tickers are missing 5-year average yield data.
SCHD is cheaper (6.00% vs 134.00%)
On a $10,000 position the lower expense ratio saves about $12800/year — small annually but compounds significantly over 20+ years.
On $10,000 invested, SCHD's lower expense ratio saves roughly $128/year in fees versus YMAG. Over 20 years that compounds to a meaningful drag — expense ratios are one of the few costs investors fully control.
SCHD is 367.7× larger by AUM
Larger funds tend to have tighter spreads, deeper liquidity, and lower closure risk.
SCHD is more tax-efficient in a taxable account
YMAG's distributions are typically taxed as ordinary income (covered call ETF, REIT, or mREIT) — versus qualified dividends from SCHD which get the lower long-term capital gains rate.
Full breakdown per ticker: are SCHD dividends qualified and are YMAG dividends qualified — each with the after-tax income at every federal bracket.
How we compare these
Every comparison on this page is computed from current public data, not written by hand. Yield comes from the most recent dividend distribution annualized over current price. Safety scores combine yield zone, payout ratio, trend vs 5-year average, instrument type, and size — see our methodology for the exact formula. Tax-efficiency flags identify covered-call ETFs, REITs, and mREITs which distribute primarily as ordinary income.
This is educational, not investment advice. Scores reflect a snapshot of public data on the "as of" dates shown on each ticker's safety page. Verify on the issuer's investor relations page or your brokerage before making decisions.
Frequently asked
SCHD or YMAG — which is better?
SCHD is better on our scoring, winning 4–1 across six dimensions: yield, dividend safety, growth, cost, scale, and tax treatment. SCHD wins 4–1 on our six-dimension comparison, but YMAG can still be the better fit depending on your priorities — see each dimension below.
Which is better for income, SCHD or YMAG?
SCHD wins 4–1 on our six-dimension comparison, but YMAG can still be the better fit depending on your priorities — see each dimension below.
SCHD vs YMAG: which has a higher dividend yield?
SCHD yields 3.24% and YMAG yields 41.09%. On a $10,000 investment that's about $3785 more in annual dividend income before taxes — though higher yield often comes with higher risk.
Is SCHD or YMAG a safer dividend in 2026?
SCHD scores 7.9/10 (Solid) on the Infnits dividend safety scale. YMAG scores 4.7/10 (Weak). SCHD is the safer pick on our scoring model.
Which has better dividend growth, SCHD or YMAG?
One or both tickers are missing 5-year average yield data.
SCHD vs YMAG: which is more tax-efficient?
YMAG's distributions are typically taxed as ordinary income (covered call ETF, REIT, or mREIT) — versus qualified dividends from SCHD which get the lower long-term capital gains rate.
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Compare both against your actual holdings
Put SCHD and YMAG into the free analyzer with the rest of your portfolio. You'll see what each one contributes to your annual income, your weighted safety score, and whether adding SCHD diversifies you or just duplicates what you hold. No account, no download.