Schwab U.S. Dividend Equity ETF (SCHD)

SCHD tracks the Dow Jones U.S. Dividend 100 Index, screening for companies with at least 10 consecutive years of dividend payments, strong free cash flow, and a record of raising dividends. With ~$88B in assets and a 0.06% expense ratio it is one of the most cost-efficient dividend growth ETFs available.

SCHD pays dividends quarterly and has historically delivered a yield between 3–4%, with a strong 10-year record of dividend growth that outpaces most peers.

How to Use the SCHD Composite Score

A score above 52 means SCHD is pulling back toward or below its moving averages with retreating RSI — historically a favorable entry for long-term investors. A score above 76 has aligned with some of the strongest multi-year entry points in the ETF's history.

Scores below 25 indicate SCHD may be extended above its moving averages. Combined with a high dividend yield reading, a high composite score creates a particularly compelling income entry.

SCHD vs JEPI, VYM, HDV

Unlike JEPI which uses covered calls to boost income, SCHD relies on pure dividend growth from high-quality U.S. companies. Versus VYM, SCHD applies a stricter quality screen and has delivered stronger dividend growth over 5–10 year periods.

Using the 200-Day MA for SCHD

When SCHD trades below its 200-day moving average with RSI under 40, the composite score enters Extreme Buy territory — a historically rare combination that has preceded strong multi-year total returns for dividend reinvestment investors.