HomeComparePCEM vs SCHD

PCEM vs SCHD: Dividend Comparison 2026

PCEM yields 0.37% · SCHD yields 3.46%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 SCHD wins by $8.8K in total portfolio value
10 years
PCEM
PCEM
● Live price
0.37%
Share price
$11.93
Annual div
$0.04
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$20.2K
Annual income
$38.31
Full PCEM 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 — PCEM vs SCHD

📍 SCHD pulled ahead of the other in Year 1

Annual dividend income

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Recession Test — Did They Cut Dividends?

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

Crisis PeriodPCEMSCHD
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%.
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Dividend Calendar Overlap

Combined, PCEM + SCHD cover 0 of 12 monthsgood coverage

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

Tax Bracket Optimizer

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

PCEM
Annual income on $10K today (after 15% tax)
$31.78/yr
After 10yr DRIP, annual income (after tax)
$32.56/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, SCHD beats the other by $329.49/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

PCEM: 50%SCHD: 50%
100% SCHD50/50100% PCEM
Portfolio after 10yr
$24.6K
Annual income
$232.12/yr
Blended yield
0.94%
🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

PCEM buys
0
SCHD buys
0
No recent congressional trades found for PCEM or SCHD in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricPCEMSCHD
Forward yield0.37%3.46%
Annual dividend / share$0.04$1.06
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR0%0%
Portfolio after 10y$20.2K$29.0K
Annual income after 10y$38.31$425.95
Total dividends collected$379.00$3.9K
Payment frequencyquarterlyquarterly
SectorStockETF

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

YearPCEM PortfolioPCEM Income/yrSCHD PortfolioSCHD Income/yrGap
1← crossover$10,737$37.38$11,226$346.36$489.00SCHD
2$11,527$37.52$12,572$357.38$1.0KSCHD
3$12,371$37.64$14,046$367.84$1.7KSCHD
4$13,275$37.75$15,660$377.73$2.4KSCHD
5$14,242$37.86$17,425$387.07$3.2KSCHD
6$15,277$37.96$19,354$395.86$4.1KSCHD
7$16,384$38.06$21,461$404.13$5.1KSCHD
8$17,569$38.14$23,762$411.89$6.2KSCHD
9$18,837$38.23$26,272$419.15$7.4KSCHD
10$20,194$38.31$29,010$425.95$8.8KSCHD

PCEM vs SCHD: Complete Analysis 2026

PCEMStock

The fund is an actively-managed ETF that seeks to achieve its objective by investing in a portfolio of common stocks of companies in emerging markets that in the opinion of Polen Capital Management, LLC, the sub-advisor to the fund, have a sustainable competitive advantage. Under normal circumstances, the fund will invest at least 80% of its net assets, at the time of initial purchase, in equity or equity-related securities of issuers that are located in an emerging market country. The fund is non-diversified.

Full PCEM Calculator →

SCHDETF

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