Is PYCFF or SCHD a better dividend investment in 2026?

PYCFF currently yields 3.84% with a 5% 5-year dividend growth rate. SCHD yields 3.46% with 13.05% growth. The better choice depends on your goal: PYCFF offers higher current income.

What is the dividend yield difference between PYCFF and SCHD?

PYCFF has a forward dividend yield of 3.84% ($0.06/share annually). SCHD yields 3.46% ($1.06/share annually). The yield gap is 0.38 percentage points.

Home › Compare › PYCFF vs SCHD

PYCFF vs SCHD: Dividend Comparison 2026

PYCFF yields 3.84% · SCHD yields 3.46%● Live data

vsPost on X →

After 10 years · $10,000 invested · DRIP enabled

🏆 PYCFF wins by $1450.79M in total portfolio value

INVESTMENT

TIME HORIZON10 years

PYCFF

● Live price

3.84%

Share price

$1.49

Annual div

$0.06

5Y div CAGR

100%

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$1450.82M

Annual income

$1,381,649,961.35

Full PYCFF calculator →

SCHD

Schwab U.S. Dividend Equity ETF

● Live price

3.46%

Share price

$30.48

Annual div

$1.06

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$29.0K

Annual income

$425.95

Full SCHD calculator →

Portfolio growth — PYCFF vs SCHD

📍 PYCFF 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 Period	PYCFF	SCHD
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, PYCFF + SCHD cover 0 of 12 months — good coverage

Jan

—

Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

PYCFF pays

SCHD pays

Both pay

Neither

💰

Tax Bracket Optimizer

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

PYCFF

Annual income on $10K today (after 15% tax)

$326.17/yr

After 10yr DRIP, annual income (after tax)

$1,174,402,467.15/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, PYCFF beats the other by $1,174,402,105.09/year in after-tax income after 10 years on $10,000

⚖️

Lazy Portfolio Split Optimizer

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

PYCFF: 50%SCHD: 50%

100% SCHD50/50100% PYCFF

Portfolio after 10yr

$725.42M

Annual income

$690,825,193.64/yr

Blended yield

95.23%

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

PYCFF buys

SCHD buys

No recent congressional trades found for PYCFF or SCHD in the last 90 days.

STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →

MetricPYCFFSCHD

Forward yield	3.84% ✓	3.46%
Annual dividend / share	$0.06	$1.06 ✓
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	100% ✓	0%
Portfolio after 10y	$1450.82M ✓	$29.0K
Annual income after 10y	$1,381,649,961.35 ✓	$425.95
Total dividends collected	$1445.85M ✓	$3.9K
Payment frequency	quarterly	quarterly
Sector	Stock	ETF

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

Year	PYCFF Portfolio	PYCFF Income/yr	SCHD Portfolio	SCHD Income/yr	Gap
1← crossover	$11,467	$767.45	$11,226	$346.36	+$241.00 → PYCFF
2	$13,915	$1,644.99	$12,572	$357.38	+$1.3K → PYCFF
3	$18,620	$3,731.05	$14,046	$367.84	+$4.6K → PYCFF
4	$29,256	$9,332.01	$15,660	$377.73	+$13.6K → PYCFF
5	$58,710	$27,406.00	$17,425	$387.07	+$41.3K → PYCFF
6	$165,619	$102,799.37	$19,354	$395.86	+$146.3K → PYCFF
7	$719,259	$542,046.80	$21,461	$404.13	+$697.8K → PYCFF
8	$5,169,670	$4,400,063.55	$23,762	$411.89	+$5.15M → PYCFF
9	$64,644,531	$59,112,983.40	$26,272	$419.15	+$64.62M → PYCFF
10	$1,450,819,609	$1,381,649,961.35	$29,010	$425.95	+$1450.79M → PYCFF

PYCFF vs SCHD: Complete Analysis 2026

PYCFF — Stock

Mount Logan Capital Inc.is an investment firm primarily focused on investing in public and private debt securities. The Company holds and actively manages and monitors a seed portfolio of loans and other investments with credit-oriented characteristics. The company was formerly known as Marret Resource Corp. and changed its name to Mount Logan Capital Inc. in October 2018. Mount Logan Capital Inc. is based in Toronto, Canada with an additional office in New York City.

Full PYCFF 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 PYCFF vs SCHD comparison by email

Save your analysis + weekly dividend insights. Free forever.

More comparisons

PYCFF vs JEPI PYCFF vs O PYCFF vs KO PYCFF vs MAIN PYCFF vs VYM PYCFF vs DGRO PYCFF vs VIG PYCFF 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.