SCHD vs TPFC
Schwab US Dividend Equity ETF vs Timothy Plan Free Cash Flow ETF
Which is better, SCHD or TPFC?
Large Cap Value against Mid Cap Value.
SCHD has a lower expense ratio. SCHD is less concentrated, with 41.8% of the fund in its ten largest positions against 43.4%.
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 | TPFC |
|---|---|---|
| Expense Ratio | 0.06%Best | 0.59% |
| AUM | $112.1B | $43M |
| Dividend Yield | 3.00% | 0.16% |
| Holdings | 103 | 51 |
| YTD Return | +24.23%Best | +12.34% |
| 1Y Return | +27.90% | - |
| 3Y Return (annualized) | +15.55% | - |
| 5Y Return (annualized) | +9.97% | - |
| Top 10 Weight | 41.8%Best | 43.4% |
| Fund Family | Charles Schwab Asset Management | Timothy Plan |
| Category | Equity | Equity |
| Style | Large Cap Value | Mid Cap Value |
| Inception | Oct 20, 2011 | May 5, 2026 |
Not shown on this pair: Volatility (annualized), Max Drawdown, $10,000 over the window.
SCHD vs TPFC 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 TPFC Performance
Schwab US Dividend Equity ETF (SCHD) is an ETF from Charles Schwab Asset Management and Timothy Plan Free Cash Flow ETF (TPFC) is an ETF from Timothy Plan. Year to date, SCHD is up 24.23% versus a gain of 12.34% for TPFC.
Past performance does not guarantee future results.
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. On income, SCHD currently yields 3.00% against 0.16% for TPFC.
Holdings Overlap
4.5% of SCHD's money is in holdings TPFC also owns. 9.1% of TPFC's money is in holdings SCHD also owns.
TPFC and SCHD share little of their money.
3 positions in common, counted across the 100 positions we hold weights for in SCHD and 50 in TPFC, against full books of 103 and 51.
What only one of them owns
Our book lists 44 positions for TPFC that do not appear in our book for SCHD (86.6% of the fund), and 96 for SCHD that do not appear in TPFC (95.4%).
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 TPFC 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 TPFC?
SCHD has an expense ratio of 0.06% while TPFC charges 0.59%. SCHD is the cheaper option, by $53 a year on a $10,000 investment.
What is the holdings overlap between SCHD and TPFC?
9.1% of TPFC's money is in holdings SCHD also owns. 9.1% of TPFC's is in holdings SCHD also owns. They hold 3 positions in common, counted across the 100 positions we hold weights for in SCHD and 50 in TPFC.
Which pays a higher dividend, SCHD or TPFC?
SCHD yields 3.00% while TPFC yields 0.16%, so SCHD currently pays the higher dividend yield.
Is TPFC better than SCHD?
SCHD has a lower expense ratio. SCHD is less concentrated, with 41.8% of the fund in its ten largest positions against 43.4%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.