SCHD vs TPHE
Schwab US Dividend Equity ETF vs Timothy Plan High Dividend Stock Enhanced ETF
Which is better, SCHD or TPHE?
Large Cap Value against Mid Cap Value.
SCHD has a lower expense ratio. SCHD led over 1Y and the full window. The two have moved almost in lockstep, correlation 0.90.
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 | TPHE |
|---|---|---|
| Expense Ratio | 0.06%Best | 0.52% |
| AUM | $112.1B | $24M |
| Dividend Yield | 3.00% | 2.23% |
| Holdings | 103 | 100 |
| Volatility (annualized) | 14.8% | 14.0%Best |
| Max Drawdown | -16.9%Best | -21.4% |
| $10,000 over 4.2 years | $12,557Best | $11,387 |
| Fund Family | Charles Schwab Asset Management | Timothy Plan |
| Category | Equity | Equity |
| Style | Large Cap Value | Mid Cap Value |
| Inception | Oct 20, 2011 | Jul 28, 2021 |
Not shown on this pair: YTD Return, 1Y Return, 3Y Return (annualized), 5Y Return (annualized), Top 10 Weight.
The two price series end 350 days apart, so a return over any period would be measuring two different stretches of market. Those rows are withheld. SCHD has data through Sep 18, 2026 and TPHE through Oct 3, 2025.
Volatility and max drawdown, and the $10,000 over 4.2 years row, are measured over the window both funds cover: Jul 29, 2021 to Oct 3, 2025 (4.2 years).
Risk: Volatility and Drawdowns
SCHD has been the more volatile fund, with annualized monthly volatility of 14.8% compared with 14.0% for TPHE. 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 -16.9% for SCHD and -21.4% for TPHE. Drawdown depth is what each fund did in the worst stretch of the window measured above.
The two funds' monthly returns correlate at 0.90. 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 TPHE 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 2.23% for TPHE.
You are not choosing between two funds in isolation.
Whichever of SCHD and TPHE 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 TPHE?
SCHD has an expense ratio of 0.06% while TPHE charges 0.52%. SCHD is the cheaper option, by $46 a year on a $10,000 investment.
Which is riskier, SCHD or TPHE?
SCHD has been the more volatile fund at 14.8% annualized versus 14.0% for TPHE. Worst drawdown: SCHD -16.9% vs TPHE -21.4%.
Should I hold both SCHD and TPHE?
SCHD and TPHE have a monthly-return correlation of 0.90, 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.
Which pays a higher dividend, SCHD or TPHE?
SCHD yields 3.00% while TPHE yields 2.23%, so SCHD currently pays the higher dividend yield.
Is TPHE better than SCHD?
SCHD has a lower expense ratio. SCHD led over 1Y and the full window. The two have moved almost in lockstep, correlation 0.90. Which one suits a particular account depends on what it is for. This is information, not a recommendation.