SCHD vs TPHD
Schwab US Dividend Equity ETF vs Timothy Plan High Dividend Sock ETF
Which is better, SCHD or TPHD?
Large Cap Value against Mid Cap Value.
SCHD has a lower expense ratio. SCHD led over 1Y, 3Y, 5Y and the full window. The two have moved almost in lockstep, correlation 0.93. TPHD is less concentrated, with 14.5% of the fund in its ten largest positions against 41.8%.
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 | TPHD |
|---|---|---|
| Expense Ratio | 0.06%Best | 0.52% |
| AUM | $112.1B | $363M |
| Dividend Yield | 3.00% | 1.94% |
| Holdings | 103 | 102 |
| YTD Return | +24.23%Best | +10.09% |
| 1Y Return | +27.90%Best | +11.04% |
| 3Y Return (annualized) | +15.55%Best | +12.27% |
| 5Y Return (annualized) | +9.97%Best | +9.48% |
| Volatility (annualized) | 16.3%Best | 16.8% |
| Max Drawdown | -33.4%Best | -42.0% |
| $10,000 over 5 years | $16,083Best | $15,728 |
| Top 10 Weight | 41.8% | 14.5%Best |
| Fund Family | Charles Schwab Asset Management | Timothy Plan |
| Category | Equity | Equity |
| Style | Large Cap Value | Mid Cap Value |
| Inception | Oct 20, 2011 | May 5, 2019 |
Volatility and max drawdown are measured over the window both funds cover: May 1, 2019 to Sep 17, 2026 (7.4 years).
SCHD vs TPHD 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 7.4 years both funds cover.
SCHD vs TPHD Performance
Schwab US Dividend Equity ETF (SCHD) is an ETF from Charles Schwab Asset Management and Timothy Plan High Dividend Sock ETF (TPHD) is an ETF from Timothy Plan. Over the past year SCHD returned +27.90% while TPHD returned +11.04%. Year to date, SCHD is up 24.23% versus a gain of 10.09% for TPHD.
Over three years, SCHD compounded at +15.55% per year against +12.27% for TPHD; over five years the annualized figures are +9.97% and +9.48% respectively. Across the full 7-year window we track, SCHD has the edge at +11.98% annualized vs +9.24%.
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 16.3% 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 what each fund did in the worst stretch of the window measured above.
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 3.00% against 1.94% for TPHD.
Holdings Overlap
15.0% of SCHD's money is in holdings TPHD also owns. 12.2% of TPHD's money is in holdings SCHD also owns.
SCHD and TPHD share little of their money.
12 positions in common, counted across the 100 positions we hold weights for in SCHD and 100 in TPHD, against full books of 103 and 102.
What only one of them owns
Our book lists 84 positions for TPHD that do not appear in our book for SCHD (84.7% of the fund), and 87 for SCHD that do not appear in TPHD (85.0%).
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.
Top Shared Holdings
| Stock | Weight in SCHD | Weight in TPHD | Difference |
|---|---|---|---|
| COPConocophillips Common Stock USD 0.01 | 3.94% | 0.96% | 2.98% |
| SLBSchlumberger Nv. | 2.19% | 0.77% | 1.42% |
| EOGEog Resources Inc | 1.88% | 1.06% | 0.82% |
| PAYXPaychex, Inc. | 1.00% | 1.40% | 0.40% |
| FASTFastenal Co. | 1.38% | 0.97% | 0.41% |
| DVNDevon Energy Corporation | 1.36% | 0.78% | 0.58% |
| KMBKimberly-Clark Corp. | 0.87% | 1.04% | 0.17% |
| CINFCincinnati Financial Corp. | 0.64% | 1.23% | 0.59% |
| PFGPrincipalfinancialgroupinc. | 0.53% | 1.27% | 0.74% |
| SNASnap-On Inc. | 0.49% | 1.16% | 0.67% |
You are not choosing between two funds in isolation.
Whichever of SCHD and TPHD 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 TPHD?
SCHD has an expense ratio of 0.06% while TPHD charges 0.52%. SCHD is the cheaper option, by $46 a year on a $10,000 investment.
Which performed better, SCHD or TPHD?
Over the past year SCHD returned +27.90% vs +11.04% for TPHD, so SCHD leads on 1-year performance. Over the longest common window we track (7 years), SCHD annualized +11.98% vs +9.24% for TPHD. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, SCHD or TPHD?
TPHD has been the more volatile fund at 16.8% annualized versus 16.3% 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. What is left to separate them is the fee and the index each one tracks. This is information, not a recommendation.
What is the holdings overlap between SCHD and TPHD?
15.0% of SCHD's money is in holdings TPHD also owns. 12.2% of TPHD's is in holdings SCHD also owns. They hold 12 positions in common, counted across the 100 positions we hold weights for in SCHD and 100 in TPHD.
Which pays a higher dividend, SCHD or TPHD?
SCHD yields 3.00% while TPHD yields 1.94%, so SCHD currently pays the higher dividend yield.
Is TPHD better than SCHD?
SCHD has a lower expense ratio. SCHD led over 1Y, 3Y, 5Y and the full window. The two have moved almost in lockstep, correlation 0.93. TPHD is less concentrated, with 14.5% of the fund in its ten largest positions against 41.8%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.