Schwab International Dividend Equity ETF: its payout record since 2022, the income it would have paid someone living on it, and the amount a monthly income takes at today’s yield.
Over the last 12 months SCHY paid $1.18 a share, a 3.58% yield at today’s price, in 4 quarterly payments. At that yield, $1,000 a month before taxes takes about $335,200 invested.
$100,000 invested at the start of 2022 with every payout spent paid $3,222 that year and $4,581 over the last 12 months (up 23.7% after inflation); the shares are worth $127,960 today.
The amount invested that would have paid each monthly income over the last 12 months, at SCHY’s 3.58% trailing yield, before taxes. Yields move, so the second column uses its lowest calendar-year yield of the last five years (3.22% in 2022).
| Monthly income | At today’s yield | At the 2022 yield |
|---|---|---|
| $500 a month ($6,000 a year) | $167,600 | $186,300 |
| $1,000 a month ($12,000 a year) | $335,200 | $372,700 |
| $2,000 a month ($24,000 a year) | $670,400 | $745,300 |
| $5,000 a month ($60,000 a year) | $1,676,000 | $1,863,400 |
What $100,000 invested at the start of each year would have paid during that year, and the same income in today’s dollars. Years with a payout at least 5% below the year before are marked.
| Year | Per share | Income on $100K | In today’s dollars | Price that year | Total return |
|---|---|---|---|---|---|
| 2025 | $1.06 | $4,580 | $5,218 | +28.8% | +33.8% |
| 2024 | $1.07 | $4,376 | $4,691 | -5.5% | -1.3% |
| 2023 | $0.9800 | $4,353 | $4,805 | +9.2% | +13.8% |
| 2022 | $0.8300 | $3,222 | $3,703 | -13.0% | -9.8% |
$100,000 invested in SCHY on Jan 3, 2022, every payout spent and nothing reinvested.
Quarterly, in March, June, September, December. Payment dates shift a little from year to year; the fund announces each one shortly before it is paid.
Dividends from US companies held long enough are usually qualified, taxed at the lower long-term capital-gains rates; foreign and REIT holdings add some non-qualified income. Inside an IRA or 401(k), none of it is taxed until you withdraw.
The yield here is what the fund paid over the last 12 months, divided by today’s price. Future payouts depend on what the fund earns.
Fees, holdings, returns and downturns are on the SCHY page.
ReadyAimRetire builds a month-by-month income plan from all your accounts, Social Security and pensions, and shows how long it lasts, before and after taxes.
About $335,200, at its 3.58% yield over the 12 months to October 2026, before taxes. Yields move: at its lowest calendar-year yield of the last five years (3.22% in 2022) it would take $372,700.
Quarterly: in the last 12 months it paid in March, June, September, December.
Not by 5% or more in any full calendar year from 2022 to 2025.
Dividends from US companies held long enough are usually qualified, taxed at the lower long-term capital-gains rates; foreign and REIT holdings add some non-qualified income. Inside an IRA or 401(k), none of it is taxed until you withdraw (and in a Roth, not then either, if the rules are met).
For education only, not a recommendation to buy or sell any fund. Past payouts do not predict future payouts.