Compare · 3 funds side by side · dividends reinvested

EMLC, SCHD and SGOV

Story of the three · Growth5Y$10,000 five years agoDividends reinvested · all three on one scale$16,375SCHD · best of the three

02 / 04

EMLC, SCHD and SGOV, Ranked

Today

FundFeeYieldYTD1 year3 yrs · yr5 yrs · yrWorst dropVolatilityAssetsAvg rank

Schwab U.S. Dividend Equity ETFIncome · Dividend stocks0.06%2.98%+32.3%+38.7%+20.3%+10.4%−6.9%11.7%$120B1.8

iShares 0-3 Month Treasury Bond ETFBonds & Cash · Cash & T-bills0.09%3.63%+3.1%+3.7%+4.5%+3.9%0.0%0.2%$117B2.0

VanEck J.P. Morgan EM Local Currency Bond ETFBonds & Cash · Other bonds0.30%6.53%+0.7%+4.0%+8.0%+2.5%−6.2%7.5%$4.9B2.3

Rank among the three1st → 3rdFee, drop and volatility: lower ranks higherAvg rank: mean of the 8 ranks · 1 is best

End-of-day Nov 5, 2026 · returns include dividends · since: EMLC 2010 · SCHD 2011 · SGOV 2020

Head to Head

Swap sides Versus in desk

Head to Head

VanEck J.P. Morgan EM Local Currency Bond ETF · $4.9B$11,323

EMLC

SCHD

Schwab U.S. Dividend Equity ETF · $120B$16,375

$10,000 five years ago, dividends reinvested

EMLCMeasureSCHD

+0.7%Year to dateJan 1 → Nov 5+32.3%

+4.0%1 yearTotal return+38.7%

+8.0%3 years · per year$10,000 became $12,602 · $17,414+20.3%

+2.5%5 years · per year$10,000 became $11,323 · $16,375+10.4%

0.30%Expense ratio$30 · $6 a year on $10k · lower is better0.06%

6.53%Trailing 12-mo yield$653 · $298 a year on $10k2.98%

−6.2%Worst dropSmaller is better−6.9%

7.5%VolatilityLower is calmer11.7%

EMLCSCHD Winner of the row, in its colourEach row: the bigger of the two fills its side

3–5SCHD wins

End-of-day Nov 5, 2026 · returns include dividends · 3Y and 5Y figures are per-year returns

More Ways to See the Pairs

EMLC vs SCHD: Top 5 Holdings

Today

EMLC

[…]in top 5

SCHD

in top 521.7%

EMLCStockSCHD

not top 5TXN4.7%

not top 5PG4.4%

not top 5HD4.3%

not top 5KO4.2%

not top 5AMGN4.2%

Held in common[…]

End-of-day Nov 5, 2026 · share of each fund

EMLC vs SCHD Returns, Every Period

VanEckEMLC

+2.5%

5 years, per year

SCHDSchwab

+10.4%

5 years, per year

EMLCSCHDFaded: behind in that period

0–4SCHD wins

End-of-day Nov 5, 2026 · dividends in · faded = behind in that period

EMLC vs SGOV

YTD

VanEckEMLC

+0.7%

SGOViShares

+3.1%

+0.7%Year to date+3.1%

−6.2%Worst drop · 1Y+0.0%

7.5%Volatility · 1Y0.2%

6.5%Yield3.6%

$4.9BAssets$117B

3–1SGOV wins

End-of-day Nov 5, 2026 · smaller drop and lower volatility win

Cost, Income and Risk

Fees: EMLC, SCHD, SGOV

Today

0.06%lowest, SCHD

FundExpense ratioFee$10k

SCHD0.06%$6

SGOV0.09%$9

EMLC0.30%$30

End-of-day Nov 5, 2026 · fee on $10,000 a year

Yields: EMLC, SCHD, SGOV

6.53%highest, EMLC

FundTrailing yieldYield$10k

EMLC6.53%$653

SGOV3.63%$363

SCHD2.98%$298

End-of-day Nov 5, 2026 · trailing 12-month yield

Income After Fees on $10,000

$623most kept, EMLC

EMLC$653 − $30 = $623

SGOV$363 − $9 = $354

SCHD$298 − $6 = $292

KeptFee

End-of-day Nov 5, 2026 · yield in dollars minus the fee

Overlap: EMLC, SCHD, SGOV

Today

[…]holdings […]

EMLCSCHDSGOV

EMLC—[…][…]

SCHD[…]—[…]

SGOV[…][…]—

End-of-day Nov 5, 2026 · share held in common · outlined: the pair in versus

Return vs Bumpiness: 3 ETFs

+38.7%SCHD, at 11.7% volatility

SGOVWorst drop0.0%0.2% vol

EMLCWorst drop−6.2%7.5% vol

SCHDWorst drop−6.9%11.7% vol

End-of-day Nov 5, 2026 · up and left is better

Paid More vs Made More

YTD

EMLCSCHD

+0.7%Year to date+32.3%

6.5%Yield3.0%

+4.0%Past year+38.7%

0.30%Fee0.06%

3–1SCHD wins

End-of-day Nov 5, 2026

Popular Pairs Near These Three

SCHD vs VIG

YTD

SchwabSCHD

+32.3%

VIGVanguard

+12.5%

+32.3%Year to date+12.5%

3.0%Yield1.5%

$120BAssets$109B

2–0SCHD wins

End-of-day Nov 5, 2026

SGOV vs BIL

YTD

iSharesSGOV

+3.1%

BILSPDR

+3.1%

+3.1%Year to date+3.1%

3.6%Yield3.7%

$117BAssets$48.4B

1–0BIL wins

End-of-day Nov 5, 2026

JEPQ vs JEPI

YTD

J.P. MorganJEPQ

+8.5%

JEPIJ.P. Morgan

+5.2%

+8.5%Year to date+5.2%

12.2%Yield8.1%

$42.6BAssets$46.8B

2–0JEPQ wins

End-of-day Nov 5, 2026