SCHD vs TPLC
Schwab US Dividend Equity ETF vs Timothy Plan US Large/Mid Cap Core ETF
Quick Verdict
SCHD has a lower expense ratio. SCHD delivered stronger 1-year returns. TPLC offers more diversification with 271 holdings.
Side-by-Side Comparison
| Metric | SCHD | TPLC | Winner |
|---|---|---|---|
| Expense Ratio | 0.06% | 0.52% | |
| AUM | $108.7B | $318M | |
| Dividend Yield | 3.13% | 0.83% | |
| Holdings | 104 | 271 | |
| YTD Return | +27.93% | +11.67% | |
| 1Y Return | +30.06% | +11.57% | |
| 3Y Return (annualized) | +16.25% | +13.17% | |
| 5Y Return (annualized) | +10.03% | +7.77% | |
| Volatility (annualized) | 13.6% | 17.1% | |
| Max Drawdown | -33.4% | -38.1% | |
| Fund Family | Charles Schwab Asset Management | Timothy Plan | |
| Category | Equity | Equity | |
| Inception | Oct 20, 2011 | May 5, 2019 |
SCHD vs TPLC Performance
Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management and Timothy Plan US Large/Mid Cap Core ETF (TPLC) is a ETF from Timothy Plan. Over the past year SCHD returned +30.06% while TPLC returned +11.57%. Year to date, SCHD is up 27.93% versus a gain of 11.67% for TPLC.
Over three years, SCHD compounded at +16.25% per year against +13.17% for TPLC; over five years the annualized figures are +10.03% and +7.77% respectively. Across the full 7-year window we track, SCHD has the edge at +11.56% annualized vs +11.00%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
TPLC has been the more volatile fund, with annualized monthly volatility of 17.1% 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 -38.1% for TPLC. 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 0.89. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
SCHD charges 0.06% per year while TPLC 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 0.83% for TPLC.
Holdings Overlap
SCHD and TPLC share 12 holdings out of 356 unique holdings combined, representing a 5.3% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, SCHD or TPLC?
SCHD has an expense ratio of 0.06% while TPLC 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 TPLC?
Over the past year SCHD returned +30.06% vs +11.57% for TPLC, so SCHD leads on 1-year performance. Over the longest common window we track (7 years), SCHD annualized +11.56% vs +11.00% for TPLC. Past performance does not guarantee future results.
Which is riskier, SCHD or TPLC?
TPLC has been the more volatile fund at 17.1% annualized versus 13.6% for SCHD. Worst drawdown: SCHD -33.4% vs TPLC -38.1%.
Should I hold both SCHD and TPLC?
SCHD and TPLC have a monthly-return correlation of 0.89, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between SCHD and TPLC?
SCHD and TPLC share 12 common holdings with a 5.3% weight overlap. Combined, they hold 356 unique securities.
Which pays a higher dividend, SCHD or TPLC?
SCHD yields 3.13% while TPLC yields 0.83%, so SCHD currently pays the higher dividend yield.
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