SCHD vs TPIF
Schwab US Dividend Equity ETF vs Timothy Plan International ETF
Which is better, SCHD or TPIF?
Large Cap Value against Large Cap Blend.
SCHD has a lower expense ratio. SCHD led over 1Y, 5Y and the full window, TPIF over 3Y. TPIF is less concentrated, with 6.0% 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 | TPIF |
|---|---|---|
| Expense Ratio | 0.06%Best | 0.62% |
| AUM | $112.1B | $269M |
| Dividend Yield | 3.00% | 2.63% |
| Holdings | 103 | 378 |
| YTD Return | +23.46%Best | +9.79% |
| 1Y Return | +27.20%Best | +16.08% |
| 3Y Return (annualized) | +15.41% | +18.27%Best |
| 5Y Return (annualized) | +10.16%Best | +8.33% |
| Volatility (annualized) | 16.8% | 16.7%Best |
| Max Drawdown | -33.4%Best | -34.1% |
| $10,000 over 5 years | $16,223Best | $14,919 |
| Top 10 Weight | 41.8% | 6.0%Best |
| Fund Family | Charles Schwab Asset Management | Timothy Plan |
| Category | Equity | Equity |
| Style | Large Cap Value | Large Cap Blend |
| Inception | Oct 20, 2011 | Dec 2, 2019 |
Volatility and max drawdown are measured over the window both funds cover: Dec 3, 2019 to Sep 18, 2026 (6.8 years).
SCHD vs TPIF 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 6.8 years both funds cover.
SCHD vs TPIF Performance
Schwab US Dividend Equity ETF (SCHD) is an ETF from Charles Schwab Asset Management and Timothy Plan International ETF (TPIF) is an ETF from Timothy Plan. Over the past year SCHD returned +27.20% while TPIF returned +16.08%. Year to date, SCHD is up 23.46% versus a gain of 9.79% for TPIF.
Over three years, SCHD compounded at +15.41% per year against +18.27% for TPIF; over five years the annualized figures are +10.16% and +8.33% respectively. Across the full 7-year window we track, SCHD has the edge at +12.13% annualized vs +8.76%.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
SCHD has been the more volatile fund, with annualized monthly volatility of 16.8% compared with 16.7% for TPIF. 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 -34.1% for TPIF. Drawdown depth is what each fund did in the worst stretch of the window measured above.
The two funds' monthly returns correlate at 0.81. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
SCHD charges 0.06% per year while TPIF charges 0.62%. On a $10,000 position that is $6 vs $62 annually, a gap of $56 per year that compounds over a long holding period. On income, SCHD currently yields 3.00% against 2.63% for TPIF.
Holdings Overlap
We hold position weights for 100 holdings in SCHD and 367 in TPIF, totalling 100.0% and 99.5% of the two funds. The two books name no position in common, so there is no overlap percentage to show.
0 positions in common, counted across the 100 positions we hold weights for in SCHD and 367 in TPIF, against full books of 103 and 378.
What only one of them owns
Our book lists 3 positions for TPIF that do not appear in our book for SCHD (1.0% of the fund), and 99 for SCHD that do not appear in TPIF (99.9%).
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 TPIF 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 TPIF?
SCHD has an expense ratio of 0.06% while TPIF charges 0.62%. SCHD is the cheaper option, by $56 a year on a $10,000 investment.
Which performed better, SCHD or TPIF?
Over the past year SCHD returned +27.20% vs +16.08% for TPIF, so SCHD leads on 1-year performance. Over the longest common window we track (7 years), SCHD annualized +12.13% vs +8.76% for TPIF. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, SCHD or TPIF?
SCHD has been the more volatile fund at 16.8% annualized versus 16.7% for TPIF. Worst drawdown: SCHD -33.4% vs TPIF -34.1%.
Should I hold both SCHD and TPIF?
SCHD and TPIF have a monthly-return correlation of 0.81, so their returns are far enough apart for the mix to behave differently from either one alone. This is information, not a recommendation.
Which pays a higher dividend, SCHD or TPIF?
SCHD yields 3.00% while TPIF yields 2.63%, so SCHD currently pays the higher dividend yield.
Is TPIF better than SCHD?
SCHD has a lower expense ratio. SCHD led over 1Y, 5Y and the full window, TPIF over 3Y. TPIF is less concentrated, with 6.0% 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.