PFM vs SCHD

APFM

BSCHD

Measures won2–4SCHD wins · of 6 · 5Y

$10,000 · 5Y$17,177VOO · PFM $16,356

Lowest cost0.03%VOO · $3 on $10k

Most income3.00%SCHD · $300 on $10k

Smallest drop−6.9%SCHD · worst fall in 1Y

Held in common17.4%PFM and SCHD

PFM

SCHD

Invesco Dividend Achievers ETF · $830MSchwab U.S. Dividend Equity ETF · $120B

+18.5%3 years · per year$16,650 · $17,266+20.0%

+10.3%5 years · per year$16,356 · $16,267+10.2%

0.52%Expense ratio$52 · $6 on $10k · lower wins0.06%

1.31%12-mo yield$131 · $300 on $10k3.00%

−7.1%Worst dropSmaller wins−6.9%

10.1%VolatilityLower wins11.7%

2–4SCHD wins

$10,000 · 5 yearsAll three, one scale

Shared top holdingsPFM · SCHD

1.5%CVX4.0%

1.5%KO4.3%

1.4%PG4.5%

1.3%MRK3.8%

Held in common17.4%

End-of-day Nov 6, 2026 · $10,000 5 years ago, dividends reinvested · ● winner of the row · each row scaled to the bigger of the two

All Three

5Y3 funds

#
1	VOO	Vanguard S&P 500 ETFRead Desk	0.03%	1.10%	+0.3%	+8.7%	+9.8%	+21.8%	+11.4%	−8.9%	$1.00T
2	APFM	Invesco Dividend Achievers ETFRead Desk	0.52%	1.31%	−0.4%	+12.6%	+14.8%	+18.5%	+10.3%	−7.1%	$830M
3	BSCHD	Schwab U.S. Dividend Equity ETFRead Desk	0.06%	3.00%	−0.7%	+31.4%	+37.0%	+20.0%	+10.2%	−6.9%	$119.9B

End-of-day Nov 6, 2026 · total return, dividends in · 3Y and 5Y per year · A and B = the pair in versus

All Three

5Y3 funds

#
1	VOO	Vanguard S&P 500 ETFRead Desk	0.03%	1.10%	+0.3%	+8.7%	+9.8%	+21.8%	+11.4%	−8.9%	$1.00T
2	APFM	Invesco Dividend Achievers ETFRead Desk	0.52%	1.31%	−0.4%	+12.6%	+14.8%	+18.5%	+10.3%	−7.1%	$830M
3	BSCHD	Schwab U.S. Dividend Equity ETFRead Desk	0.06%	3.00%	−0.7%	+31.4%	+37.0%	+20.0%	+10.2%	−6.9%	$119.9B

End-of-day Nov 6, 2026 · total return, dividends in · 3Y and 5Y per year · A and B = the pair in versus

Cards for this view

PFM vs SCHD

PFM

Invesco Dividend Achievers

$16,356

SCHD

Schwab U.S. Dividend Equity

$16,267

MeasurePFMSCHD

Fee0.52%0.06%

Cost on $10k a year$52$6

Yield1.31%3.00%

5 years, per year+10.3%+10.2%

3 years, per year+18.5%+20.0%

Worst drop · 1Y−7.1%−6.9%

Volatility · 1Y10.1%11.7%

4–2measures won
SCHD first

17.4%

holdings shared

Nov 6, 2026 · $10,000 five years ago, dividends reinvested

SCHD vs VIG

YTD

SchwabSCHD

+31.4%

VIGVanguard

+12.1%

+31.4%Year to date+12.1%

3.0%Yield1.5%

$120BAssets$109B

2–0SCHD wins

End-of-day Nov 6, 2026

SPYM vs SPY

YTD

SPDRSPYM

+8.8%

SPYSPDR

+8.7%

+8.8%Year to date+8.7%

1.1%Yield1.0%

$178BAssets$778B

2–0SPYM wins

End-of-day Nov 6, 2026

VOO vs IVV

YTD

VanguardVOO

+8.7%

IVViShares

+8.7%

+8.7%Year to date+8.7%

1.1%Yield1.1%

$1.00TAssets$853B

0–0level

End-of-day Nov 6, 2026

Overlap: PFM, SCHD, VOO

Today

43.2%most shared, PFM and VOO

PFMSCHDVOO

PFM—17.4%43.2%

SCHD17.4%—7.6%

VOO43.2%7.6%—

End-of-day Nov 6, 2026 · share held in common · outlined: the pair in versus

Income After Fees on $10,000

$294most kept, SCHD

SCHD$300 − $6 = $294

VOO$110 − $3 = $107

PFM$131 − $52 = $79

KeptFee

End-of-day Nov 6, 2026 · yield in dollars minus the fee