SCHD vs TIPB
Schwab US Dividend Equity ETF vs Northern Trust 2035 Inflation-Linked Distributing Ladder ETF
Which is better, SCHD or TIPB?
SCHD has been ahead.
SCHD has a lower expense ratio. SCHD led over 1Y and the full window.
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 | TIPB |
|---|---|---|
| Expense Ratio | 0.06%Best | 0.10% |
| AUM | $112.1B | $10M |
| Dividend Yield | 3.00% | 5.38% |
| Holdings | 103 | 11 |
| YTD Return | +23.46%Best | +2.49% |
| 1Y Return | +27.20%Best | +2.34% |
| 3Y Return (annualized) | +15.41% | - |
| 5Y Return (annualized) | +10.16% | - |
| Volatility (annualized) | 13.6% | 2.4%Best |
| Max Drawdown | -4.6% | -1.8%Best |
| $10,000 over 1.1 years | $12,773Best | $10,380 |
| Fund Family | Charles Schwab Asset Management | Northern Trust Asset Management |
| Category | Equity | Fixed Income |
| Style | Large Cap Value | - |
| Inception | Oct 20, 2011 | Mar 1, 2025 |
Not shown on this pair: Top 10 Weight.
Volatility and max drawdown, and the $10,000 over 1.1 years row, are measured over the window both funds cover: Aug 19, 2025 to Sep 18, 2026 (1.1 years).
SCHD vs TIPB 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 covers the 1.1 years both funds cover.
SCHD vs TIPB Performance
Schwab US Dividend Equity ETF (SCHD) is an ETF from Charles Schwab Asset Management and Northern Trust 2035 Inflation-Linked Distributing Ladder ETF (TIPB) is an ETF from Northern Trust Asset Management. Over the past year SCHD returned +27.20% while TIPB returned +2.34%. Year to date, SCHD is up 23.46% versus a gain of 2.49% for TIPB.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
SCHD has been the more volatile fund, with annualized monthly volatility of 13.6% compared with 2.4% for TIPB. Lower volatility generally means a smoother ride, though it often comes with lower long-run returns.
The deepest peak-to-trough decline in our data was -4.6% for SCHD and -1.8% for TIPB. Drawdown depth is what each fund did in the worst stretch of the window measured above.
The two funds' monthly returns correlate at 0.72. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
SCHD charges 0.06% per year while TIPB charges 0.10%. On a $10,000 position that is $6 vs $10 annually, a gap of $4 per year that compounds over a long holding period. On income, SCHD currently yields 3.00% against 5.38% for TIPB.
Holdings Overlap
We hold position weights for 100 holdings in SCHD and 8 in TIPB, totalling 100.0% and 81.0% 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 100 positions we hold weights for in SCHD and 8 in TIPB, against full books of 103 and 11.
You are not choosing between two funds in isolation.
Whichever of SCHD and TIPB 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 TIPB?
SCHD has an expense ratio of 0.06% while TIPB charges 0.10%. SCHD is the cheaper option, by $4 a year on a $10,000 investment.
Which performed better, SCHD or TIPB?
Over the past year SCHD returned +27.20% vs +2.34% for TIPB, so SCHD leads on 1-year performance. Over the longest common window we track (1 years), SCHD annualized +24.92% vs +3.45% for TIPB. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, SCHD or TIPB?
SCHD has been the more volatile fund at 13.6% annualized versus 2.4% for TIPB. Worst drawdown: SCHD -4.6% vs TIPB -1.8%.
Should I hold both SCHD and TIPB?
SCHD and TIPB have a monthly-return correlation of 0.72, 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 TIPB?
SCHD yields 3.00% while TIPB yields 5.38%, so TIPB currently pays the higher dividend yield.
Is TIPB better than SCHD?
SCHD has a lower expense ratio. SCHD led over 1Y and the full window. Which one suits a particular account depends on what it is for. This is information, not a recommendation.