SCHD vs TIPD
Schwab US Dividend Equity ETF vs Northern Trust 2055 Inflation-Linked Distributing Ladder ETF
Which is better, SCHD or TIPD?
Large Cap Value against Inflation Protection.
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 | TIPD |
|---|---|---|
| Expense Ratio | 0.06%Best | 0.10% |
| AUM | $112.1B | - |
| Dividend Yield | 3.00% | - |
| Holdings | 103 | 28 |
| YTD Return | +24.23%Best | -1.18% |
| 1Y Return | +27.90%Best | -2.78% |
| 3Y Return (annualized) | +15.55% | - |
| 5Y Return (annualized) | +9.97% | - |
| Volatility (annualized) | 13.4% | 5.3%Best |
| Max Drawdown | -4.6% | -4.5%Best |
| $10,000 over 1.1 years | $12,862Best | $10,068 |
| Fund Family | Charles Schwab Asset Management | Northern Trust Asset Management |
| Category | Equity | Fixed Income |
| Style | Large Cap Value | Inflation Protection |
| 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 17, 2026 (1.1 years).
SCHD vs TIPD 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 TIPD Performance
Schwab US Dividend Equity ETF (SCHD) is an ETF from Charles Schwab Asset Management and Northern Trust 2055 Inflation-Linked Distributing Ladder ETF (TIPD) is an ETF from Northern Trust Asset Management. Over the past year SCHD returned +27.90% while TIPD returned -2.78%. Year to date, SCHD is up 24.23% versus a loss of 1.18% for TIPD.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
SCHD has been the more volatile fund, with annualized monthly volatility of 13.4% compared with 5.3% for TIPD. 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 -4.5% for TIPD. Drawdown depth is what each fund did in the worst stretch of the window measured above.
The two funds' monthly returns correlate at 0.22. They move largely independently of each other.
Fees and Cost Over Time
SCHD charges 0.06% per year while TIPD 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.
Holdings Overlap
We hold position weights for 100 holdings in SCHD and 24 in TIPD, totalling 100.0% and 84.4% 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 24 in TIPD, against full books of 103 and 28.
You are not choosing between two funds in isolation.
Whichever of SCHD and TIPD 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 TIPD?
SCHD has an expense ratio of 0.06% while TIPD charges 0.10%. SCHD is the cheaper option, by $4 a year on a $10,000 investment.
Which performed better, SCHD or TIPD?
Over the past year SCHD returned +27.90% vs -2.78% for TIPD, so SCHD leads on 1-year performance. Over the longest common window we track (1 years), SCHD annualized +25.71% vs +0.62% for TIPD. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, SCHD or TIPD?
SCHD has been the more volatile fund at 13.4% annualized versus 5.3% for TIPD. Worst drawdown: SCHD -4.6% vs TIPD -4.5%.
Should I hold both SCHD and TIPD?
SCHD and TIPD have a monthly-return correlation of 0.22, so their returns are far enough apart for the mix to behave differently from either one alone. This is information, not a recommendation.
Is TIPD 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.