SCHD vs TPHD
Schwab US Dividend Equity ETF vs Timothy Plan High Dividend Sock ETF
Quick Verdict
SCHD has a lower expense ratio. SCHD delivered stronger 1-year returns. SCHD offers more diversification with 104 holdings.
Side-by-Side Comparison
| Metric | SCHD | TPHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.06% | 0.52% | |
| AUM | $108.7B | $373M | |
| Dividend Yield | 3.13% | 1.94% | |
| Holdings | 104 | 102 | |
| YTD Return | +27.67% | +12.99% | |
| 1Y Return | +29.56% | +12.73% | |
| 3Y Return (annualized) | +16.53% | +13.38% | |
| 5Y Return (annualized) | +9.95% | +9.30% | |
| Volatility (annualized) | 13.6% | 16.8% | |
| Max Drawdown | -33.4% | -42.0% | |
| Fund Family | Charles Schwab Asset Management | Timothy Plan | |
| Category | Equity | Equity | |
| Inception | Oct 20, 2011 | May 5, 2019 |
SCHD vs TPHD Performance
Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management and Timothy Plan High Dividend Sock ETF (TPHD) is a ETF from Timothy Plan. Over the past year SCHD returned +29.56% while TPHD returned +12.73%. Year to date, SCHD is up 27.67% versus a gain of 12.99% for TPHD.
Over three years, SCHD compounded at +16.53% per year against +13.38% for TPHD; over five years the annualized figures are +9.95% and +9.30% respectively. Across the full 7-year window we track, SCHD has the edge at +11.55% annualized vs +9.71%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
TPHD has been the more volatile fund, with annualized monthly volatility of 16.8% compared with 13.6% for SCHD. 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 -33.4% for SCHD and -42.0% for TPHD. Drawdown depth is worth weighing if you expect to sell during market stress rather than ride it out.
The two funds' monthly returns correlate at 0.93. They move almost in lockstep, so holding both mostly duplicates the same exposure.
Fees and Cost Over Time
SCHD charges 0.06% per year while TPHD charges 0.52%. On a $10,000 position that is $6 vs $52 annually, a gap of $46 per year that compounds over a long holding period. On income, SCHD currently yields 3.13% against 1.94% for TPHD.
Holdings Overlap
SCHD and TPHD share 12 holdings out of 188 unique holdings combined, representing a 8.5% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, SCHD or TPHD?
SCHD has an expense ratio of 0.06% while TPHD charges 0.52%. SCHD is the cheaper option. On a $10,000 investment, that is $46 per year of difference.
Which performed better, SCHD or TPHD?
Over the past year SCHD returned +29.56% vs +12.73% for TPHD, so SCHD leads on 1-year performance. Over the longest common window we track (7 years), SCHD annualized +11.55% vs +9.71% for TPHD. Past performance does not guarantee future results.
Which is riskier, SCHD or TPHD?
TPHD has been the more volatile fund at 16.8% annualized versus 13.6% for SCHD. Worst drawdown: SCHD -33.4% vs TPHD -42.0%.
Should I hold both SCHD and TPHD?
SCHD and TPHD have a monthly-return correlation of 0.93, so they move almost identically. Holding both adds little diversification - most investors pick one, usually on fees or the specific index tracked.
What is the holdings overlap between SCHD and TPHD?
SCHD and TPHD share 12 common holdings with a 8.5% weight overlap. Combined, they hold 188 unique securities.
Which pays a higher dividend, SCHD or TPHD?
SCHD yields 3.13% while TPHD yields 1.94%, so SCHD currently pays the higher dividend yield.
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