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RWLC vs PM: Dividend Comparison 2026

RWLC yields 15.30% · PM yields 3.48%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 RWLC wins by $4.9K in total portfolio value
10 years
RWLC
RWLC
● Live price
15.30%
Share price
$31.87
Annual div
$4.88
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$54.5K
Annual income
$3,933.77
Full RWLC calculator →
PM
Philip Morris International
● Live price
3.48%
Share price
$165.34
Annual div
$5.76
5Y div CAGR
17.2%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$49.6K
Annual income
$2,492.02
Full PM calculator →

Portfolio growth — RWLC vs PM

📍 RWLC 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 PeriodRWLCPM
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, RWLC + PM cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
RWLC pays
PM pays
Both pay
Neither
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Tax Bracket Optimizer

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

RWLC
Annual income on $10K today (after 15% tax)
$1,300.70/yr
After 10yr DRIP, annual income (after tax)
$3,343.70/yr
PM
Annual income on $10K today (after 15% tax)
$296.12/yr
After 10yr DRIP, annual income (after tax)
$2,118.22/yr
At 15% tax rate, RWLC beats the other by $1,225.49/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of RWLC + PM for your $10,000?

RWLC: 50%PM: 50%
100% PM50/50100% RWLC
Portfolio after 10yr
$52.0K
Annual income
$3,212.90/yr
Blended yield
6.17%
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Analyst Conviction Gap

Where Wall Street is most bullish on PM right now

RWLC
No analyst data
PM
Analyst Ratings
17
Buy
7
Hold
1
Sell
Consensus: Buy
Price Target
$194.30
+17.5% upside vs current
Range: $180.00 — $205.00
Altman Z
4.0
Piotroski
7/9
Analyst ratings via FMP. Altman Z-Score: >3.0 safe, 1.81–3.0 grey zone, <1.81 distress. Piotroski: 7–9 strong, 0–3 weak.
🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

RWLC buys
0
PM buys
0
No recent congressional trades found for RWLC or PM in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricRWLCPM
Forward yield15.30%3.48%
Annual dividend / share$4.88$5.76
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR0%17.2%
Portfolio after 10y$54.5K$49.6K
Annual income after 10y$3,933.77$2,492.02
Total dividends collected$26.7K$11.7K
Payment frequencyquarterlyquarterly
SectorStockConsumer Staples

Year-by-year: RWLC vs PM ($10,000, DRIP)

YearRWLC PortfolioRWLC Income/yrPM PortfolioPM Income/yrGap
1← crossover$12,230$1,530.24$11,648$408.29+$582.00RWLC
2$14,835$1,749.08$13,589$495.90+$1.2KRWLC
3$17,857$1,982.86$15,877$603.21+$2.0KRWLC
4$21,337$2,230.54$18,580$734.88+$2.8KRWLC
5$25,322$2,490.94$21,781$896.75+$3.5KRWLC
6$29,857$2,762.71$25,578$1,096.12+$4.3KRWLC
7$34,991$3,044.41$30,092$1,342.17+$4.9KRWLC
8$40,775$3,334.53$35,470$1,646.46+$5.3KRWLC
9$47,261$3,631.51$41,892$2,023.58+$5.4KRWLC
10$54,503$3,933.77$49,578$2,492.02+$4.9KRWLC

RWLC vs PM: Complete Analysis 2026

RWLCStock

RWLC tracks a selection of large-cap US stocks chosen using various factors and optimized through machine learning models. The model employs over 100 market-level, fundamental, and technical signals from 12 major factor categories. Constraints are applied to limit stock concentration and industry exposure relative to the FT Wilshire US Large Cap Index. The index construction consists of three steps: risk-adjusted returns estimation, covariance matrix estimation, and mean tracking err optimization. The index is reconstituted quarterly. The data used for estimating stock risk-adjusted returns and the covariance matrix is based on the month-end figures from the month prior to the reconstitution. Before Dec. 19, 2025, the fund was an actively managed fund named Rayliant Quantitative Developed Market Equity ETF (RAYD).

Full RWLC Calculator →

PMConsumer Staples

Philip Morris International Inc. operates as a tobacco company working to delivers a smoke-free future and evolving portfolio for the long-term to include products outside of the tobacco and nicotine sector. The company's product portfolio primarily consists of cigarettes and smoke-free products, including heat-not-burn, vapor, and oral nicotine products that are sold in markets outside the United States. The company offers its smoke-free products under the HEETS, HEETS Creations, HEETS Dimensions, HEETS Marlboro, HEETS FROM MARLBORO, Marlboro Dimensions, Marlboro HeatSticks, Parliament HeatSticks, and TEREA brands, as well as the KT&G-licensed brands, Fiit, and Miix. It also sells its products under the Marlboro, Parliament, Bond Street, Chesterfield, L&M, Lark, and Philip Morris brands. In addition, the company owns various cigarette brands, such as Dji Sam Soe, Sampoerna A, and Sampoerna U in Indonesia; and Fortune and Jackpot in the Philippines. The company sells its smoke-free products in 71 markets. Philip Morris International Inc. was incorporated in 1987 and is headquartered in New York, New York.

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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.