SCHD vs TPIF
SCHD vs TPIF
Schwab US Dividend Equity ETF vs Timothy Plan International ETF
Quick Verdict
SCHD has a lower expense ratio. SCHD delivered stronger 1-year returns. TPIF offers more diversification with 350 holdings.
Side-by-Side Comparison
| Metric | SCHD | TPIF | Winner |
|---|---|---|---|
| Expense Ratio | 0.06% | 0.62% | |
| AUM | $103.7B | $251M | |
| Dividend Yield | 3.31% | 2.39% | |
| Holdings | 104 | 364 | |
| YTD Return | +24.26% | +13.03% | |
| 1Y Return | +31.38% | +22.54% | |
| 3Y Return (annualized) | +15.08% | +18.88% | |
| 5Y Return (annualized) | +9.72% | +8.42% | |
| Volatility (annualized) | 13.6% | 16.8% | |
| Max Drawdown | -33.4% | -34.1% | |
| Fund Family | Charles Schwab Asset Management | Timothy Plan | |
| Category | Equity | Equity | |
| Inception | Oct 20, 2011 | Dec 2, 2019 |
SCHD vs TPIF Performance
Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management and Timothy Plan International ETF (TPIF) is a ETF from Timothy Plan. Over the past year SCHD returned +31.38% while TPIF returned +22.54%. Year to date, SCHD is up 24.26% versus a gain of 13.03% for TPIF.
Over three years, SCHD compounded at +15.08% per year against +18.88% for TPIF; over five years the annualized figures are +9.72% and +8.42% respectively. Across the full 7-year window we track, SCHD has the edge at +11.39% annualized vs +9.39%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
TPIF 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 -34.1% for TPIF. 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 0.80. 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 3.31% against 2.39% for TPIF.
Holdings Overlap
SCHD and TPIF share 0 holdings out of 450 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 TPIF?
SCHD has an expense ratio of 0.06% while TPIF charges 0.62%. SCHD is the cheaper option. On a $10,000 investment, that is $56 per year of difference.
Which performed better, SCHD or TPIF?
Over the past year SCHD returned +31.38% vs +22.54% for TPIF, so SCHD leads on 1-year performance. Over the longest common window we track (7 years), SCHD annualized +11.39% vs +9.39% for TPIF. Past performance does not guarantee future results.
Which is riskier, SCHD or TPIF?
TPIF has been the more volatile fund at 16.8% annualized versus 13.6% for SCHD. 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 0.80, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between SCHD and TPIF?
SCHD and TPIF share 0 common holdings with a 0.0% weight overlap. Combined, they hold 450 unique securities.
Which pays a higher dividend, SCHD or TPIF?
SCHD yields 3.31% while TPIF yields 2.39%, so SCHD currently pays the higher dividend yield.
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