Home › Compare › CEMB vs SCHD

CEMB vs SCHD: Dividend Comparison 2026

CEMB yields 5.20% · SCHD yields 3.46%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 SCHD wins by $856.00 in total portfolio value
10 years
CEMB
CEMB
● Live price
5.20%
Share price
$45.05
Annual div
$2.34
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$28.2K
Annual income
$725.12
Full CEMB calculator →
SCHD
Schwab U.S. Dividend Equity ETF
● Live price
3.46%
Share price
$30.48
Annual div
$1.06
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$29.0K
Annual income
$425.95
Full SCHD calculator →

Portfolio growth — CEMB vs SCHD

📍 SCHD pulled ahead of the other in Year 1

Annual dividend income

🛡️

Recession Test — Did They Cut Dividends?

How each stock treated shareholders during the 3 biggest crises of the last 20 years

Crisis PeriodCEMBSCHD
2008–2009
GFC
— No data— No data
2020 Q1–Q2
COVID
— No data— No data
2022 Q4
Rate Hike
— No data— No data
Based on dividend payment history. "Increased" = dividend grew during crisis. "Maintained" = held within 3%. "Cut" = reduced by more than 3%.
📅

Dividend Calendar Overlap

Combined, CEMB + SCHD cover 0 of 12 months — good coverage

Jan
—
Feb
—
Mar
—
Apr
—
May
—
Jun
—
Jul
—
Aug
—
Sep
—
Oct
—
Nov
—
Dec
—
CEMB pays
SCHD pays
Both pay
Neither
💰

Tax Bracket Optimizer

Which stock is actually better after tax? Adjust your rate to find out.

CEMB
Annual income on $10K today (after 15% tax)
$442.04/yr
After 10yr DRIP, annual income (after tax)
$616.35/yr
SCHD
Annual income on $10K today (after 15% tax)
$294.40/yr
After 10yr DRIP, annual income (after tax)
$362.06/yr
At 15% tax rate, CEMB beats the other by $254.29/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of CEMB + SCHD for your $10,000?

CEMB: 50%SCHD: 50%
100% SCHD50/50100% CEMB
Portfolio after 10yr
$28.6K
Annual income
$575.53/yr
Blended yield
2.01%
🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

CEMB buys
0
SCHD buys
0
No recent congressional trades found for CEMB or SCHD in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricCEMBSCHD
Forward yield5.20% ✓3.46%
Annual dividend / share$2.34 ✓$1.06
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR0%0%
Portfolio after 10y$28.2K$29.0K ✓
Annual income after 10y$725.12 ✓$425.95
Total dividends collected$6.3K ✓$3.9K
Payment frequencyquarterlyquarterly
SectorStockETF

Year-by-year: CEMB vs SCHD ($10,000, DRIP)

YearCEMB PortfolioCEMB Income/yrSCHD PortfolioSCHD Income/yrGap
1← crossover$11,220$520.05$11,226$346.36$6.00 → SCHD
2$12,551$545.32$12,572$357.38$21.00 → SCHD
3$13,999$570.09$14,046$367.84$47.00 → SCHD
4$15,574$594.29$15,660$377.73$86.00 → SCHD
5$17,282$617.87$17,425$387.07$143.00 → SCHD
6$19,132$640.78$19,354$395.86$222.00 → SCHD
7$21,134$662.99$21,461$404.13$327.00 → SCHD
8$23,298$684.46$23,762$411.89$464.00 → SCHD
9$25,634$705.17$26,272$419.15$638.00 → SCHD
10$28,154$725.12$29,010$425.95$856.00 → SCHD

CEMB vs SCHD: Complete Analysis 2026

CEMB — Stock

The iShares J.P. Morgan EM Corporate Bond ETF seeks to track the investment results of an index composed of U.S. dollar-denominated, emerging market corporate bonds

Full CEMB Calculator →

SCHD — ETF

The fund’s goal is to track as closely as possible, before fees and expenses, the total return of the Dow Jones U.S. Dividend 100 Index.

Full SCHD Calculator →
📬

Get this CEMB vs SCHD comparison by email

Save your analysis + weekly dividend insights. Free forever.

More comparisons

CEMB vs JEPICEMB vs OCEMB vs KOCEMB vs MAINCEMB vs VYMCEMB vs DGROCEMB vs VIGCEMB vs HDV

⚠️ Educational purposes only. Not financial advice. Congressional trades sourced from SEC STOCK Act filings via FMP. Past performance does not guarantee future results.