My Portfolio · Quality Dividends
SCHD
Think of SCHD as a basket of established U.S. companies chosen for more than just a high dividend.
It follows a rules-based index that looks for a long dividend record and financial strength. You receive the dividends those companies pay, while the value of your SCHD shares can rise or fall with the companies inside the fund.
Quarterly distributions~100 stocks
Rules-based0.06% expense ratio
How SCHD Works
Start with thousands of U.S. stocks. Narrow them down to a dividend-quality portfolio.
U.S. Stock UniverseA broad starting pool of U.S.-traded companies.
→
Screen & RankDividend history, yield, cash flow to debt, return on equity and dividend growth.
→
SCHD PortfolioA concentrated basket of dividend-paying companies with fundamental-strength screens.
10+ yrsDividend-payment history screen
YieldHigher-yielding candidates considered
QualityCash flow & return on equity matter
GrowthDividend growth is part of ranking
What $100,000 Could Look Like
Keep the two pieces separate: what your shares are worth and cash dividends paid to you.
STRONG HISTORICAL YEAR · 2021
$100K → ~$126K NAV
+ ~$3,500 cash dividends
About +29.9% total return; shown as approximate NAV growth plus cash dividends, without reinvesting them.
TYPICAL / MEDIAN-LIKE YEAR · 2014
$100K → ~$109K NAV
+ ~$2,900 cash dividends
About +11.7% total return — very close to SCHD’s historical median calendar-year result.
WEAK HISTORICAL YEAR · 2018
$100K → ~$91.5K NAV
+ ~$2,800 cash dividends
About −5.6% total return. Dividends softened the loss but did not prevent NAV from falling.
Historical perspective: based on actual SCHD calendar-year experience. NAV and dividend cash are separated approximately to show the two sources of return; dividends are not reinvested in these examples.
Explore SCHD
The main page stays simple. Tap into the subjects you want to study more deeply.
DOJO
ROLE
ROLE
Quality Dividend Foundation
In the Dojo experiment, SCHD is the steadier quality/dividend side of the portfolio. It is not the high-income engine. Its job is diversification, dividend growth potential and NAV durability alongside JEPQ.