SCHD vs TPFI
Schwab US Dividend Equity ETF vs Timothy Plan Fixed Income ETF
Quick Verdict
SCHD has a lower expense ratio. TPFI offers more diversification with 333 holdings.
Side-by-Side Comparison
| Metric | SCHD | TPFI | Winner |
|---|---|---|---|
| Expense Ratio | 0.06% | 0.55% | |
| AUM | $108.7B | $24M | |
| Dividend Yield | 3.13% | - | |
| Holdings | 104 | 333 | |
| YTD Return | +26.54% | -0.79% | |
| 1Y Return | +30.90% | - | |
| 3Y Return (annualized) | +16.29% | - | |
| 5Y Return (annualized) | +9.65% | - | |
| Volatility (annualized) | 13.6% | - | |
| Max Drawdown | -33.4% | -1.7% | |
| Fund Family | Charles Schwab Asset Management | Timothy Plan | |
| Category | Equity | Fixed Income | |
| Inception | Oct 20, 2011 | May 5, 2026 |
SCHD vs TPFI Performance
Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management and Timothy Plan Fixed Income ETF (TPFI) is a ETF from Timothy Plan. Year to date, SCHD is up 26.54% versus a loss of 0.79% for TPFI.
Risk: Volatility and Drawdowns
The deepest peak-to-trough decline in our data was -33.4% for SCHD and -1.7% for TPFI. 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 TPFI 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.
Holdings Overlap
SCHD and TPFI share 0 holdings out of 130 unique holdings combined, representing a 0.0% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, SCHD or TPFI?
SCHD has an expense ratio of 0.06% while TPFI charges 0.55%. SCHD is the cheaper option. On a $10,000 investment, that is $49 per year of difference.
What is the holdings overlap between SCHD and TPFI?
SCHD and TPFI share 0 common holdings with a 0.0% weight overlap. Combined, they hold 130 unique securities.
Popular ETF Comparisons
Get Full ETF Analytics
Access complete holdings data, overlap analysis, screener tools, and more with FundXLS.