SCHD vs TPFC
Schwab US Dividend Equity ETF vs Timothy Plan Free Cash Flow ETF
Quick Verdict
SCHD has a lower expense ratio. SCHD offers more diversification with 104 holdings.
Side-by-Side Comparison
| Metric | SCHD | TPFC | Winner |
|---|---|---|---|
| Expense Ratio | 0.06% | 0.59% | |
| AUM | $108.7B | $42M | |
| Dividend Yield | 3.13% | - | |
| Holdings | 104 | 51 | |
| YTD Return | +27.67% | +15.24% | |
| 1Y Return | +29.56% | - | |
| 3Y Return (annualized) | +16.53% | - | |
| 5Y Return (annualized) | +9.95% | - | |
| Volatility (annualized) | 13.6% | - | |
| Max Drawdown | -33.4% | -5.8% | |
| Fund Family | Charles Schwab Asset Management | Timothy Plan | |
| Category | Equity | Equity | |
| Inception | Oct 20, 2011 | May 5, 2026 |
SCHD vs TPFC Performance
Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management and Timothy Plan Free Cash Flow ETF (TPFC) is a ETF from Timothy Plan. Year to date, SCHD is up 27.67% versus a gain of 15.24% for TPFC.
Risk: Volatility and Drawdowns
The deepest peak-to-trough decline in our data was -33.4% for SCHD and -5.8% for TPFC. Drawdown depth is worth weighing if you expect to sell during market stress rather than ride it out.
Fees and Cost Over Time
SCHD charges 0.06% per year while TPFC charges 0.59%. On a $10,000 position that is $6 vs $59 annually, a gap of $53 per year that compounds over a long holding period.
Holdings Overlap
SCHD and TPFC share 3 holdings out of 147 unique holdings combined, representing a 4.1% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, SCHD or TPFC?
SCHD has an expense ratio of 0.06% while TPFC charges 0.59%. SCHD is the cheaper option. On a $10,000 investment, that is $53 per year of difference.
What is the holdings overlap between SCHD and TPFC?
SCHD and TPFC share 3 common holdings with a 4.1% weight overlap. Combined, they hold 147 unique securities.
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