SCHD vs TINS
Schwab US Dividend Equity ETF vs Franklin Templeton International Insights ETF
Which is better, SCHD or TINS?
Large Cap Value against Large Cap Blend.
SCHD has a lower expense ratio. SCHD led over 1Y. TINS is less concentrated, with 34.0% of the fund in its ten largest positions against 41.8%.
MarketXLS is not an investment adviser. This comparison is generated automatically from market data and is for information only. A Best mark means the better reading on that one measure, not a recommendation to buy.
Side-by-Side Comparison
| Metric | SCHD | TINS |
|---|---|---|
| Expense Ratio | 0.06%Best | 0.55% |
| AUM | $108.9B | $6M |
| Dividend Yield | 3.00% | 0.21% |
| Holdings | 206 | 54 |
| YTD Return | +20.89%Best | +8.41% |
| 1Y Return | +23.87%Best | +13.48% |
| 3Y Return (annualized) | +16.42% | - |
| 5Y Return (annualized) | +9.40% | - |
| Volatility (annualized) | 14.6% | 14.0%Best |
| Top 10 Weight | 41.8% | 34.0%Best |
| Fund Family | Charles Schwab Asset Management | Franklin Templeton Investments (US) |
| Category | Equity | Equity |
| Style | Large Cap Value | Large Cap Blend |
| Inception | Oct 20, 2011 | Oct 21, 2025 |
Not shown on this pair: Max Drawdown, $10,000 over the window.
SCHD vs TINS growth
Month-end closes. Both lines start at 0% in the first month shown, so the gap between them is the difference in growth across that window. The full view is available from the range buttons; it is not the opening view here because over the whole period one of these two funds moves so much further than the other that its line would sit flat on the axis.
SCHD vs TINS Performance
Schwab US Dividend Equity ETF (SCHD) is an ETF from Charles Schwab Asset Management and Franklin Templeton International Insights ETF (TINS) is an ETF from Franklin Templeton Investments (US). Over the past year SCHD returned +23.87% while TINS returned +13.48%. Year to date, SCHD is up 20.89% versus a gain of 8.41% for TINS.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
SCHD has been the more volatile fund, with annualized monthly volatility of 14.6% compared with 14.0% for TINS. Lower volatility generally means a smoother ride, though it often comes with lower long-run returns.
The two funds' monthly returns correlate at 0.71. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
SCHD charges 0.06% per year while TINS charges 0.55%. On a $10,000 position that is $6 vs $55 annually, a gap of $49 per year that compounds over a long holding period. On income, SCHD currently yields 3.00% against 0.21% for TINS.
Holdings Overlap
We hold position weights for 99 holdings in SCHD and 49 in TINS, totalling 100.0% and 98.5% of the two funds. The two books name no position in common, so there is no overlap percentage to show.
0 positions in common, counted across the 99 positions we hold weights for in SCHD and 49 in TINS, against full books of 206 and 54.
What only one of them owns
Our book lists 2 positions for TINS that do not appear in our book for SCHD (5.7% of the fund), and 98 for SCHD that do not appear in TINS (99.9%).
Some of those will be the same company recorded under a different code in one of the two books, so the real difference in what you would own is no larger than this and may be smaller. We do not name the individual positions here for that reason.
You are not choosing between two funds in isolation.
Whichever of SCHD and TINS you pick has to sit alongside everything else you own. Add the rest and see what the combination actually holds.
Free for up to 10 holdings. No account needed.
Frequently Asked Questions
Which is cheaper, SCHD or TINS?
SCHD has an expense ratio of 0.06% while TINS charges 0.55%. SCHD is the cheaper option, by $49 a year on a $10,000 investment.
Which performed better, SCHD or TINS?
Over the past year SCHD returned +23.87% vs +13.48% for TINS, so SCHD leads on 1-year performance. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, SCHD or TINS?
SCHD has been the more volatile fund at 14.6% annualized versus 14.0% for TINS.
Should I hold both SCHD and TINS?
SCHD and TINS have a monthly-return correlation of 0.71, so their returns are far enough apart for the mix to behave differently from either one alone. This is information, not a recommendation.
Which pays a higher dividend, SCHD or TINS?
SCHD yields 3.00% while TINS yields 0.21%, so SCHD currently pays the higher dividend yield.
Is TINS better than SCHD?
SCHD has a lower expense ratio. SCHD led over 1Y. TINS is less concentrated, with 34.0% of the fund in its ten largest positions against 41.8%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.