SCHD vs TPLC
Schwab US Dividend Equity ETF vs Timothy Plan US Large/Mid Cap Core ETF
Which is better, SCHD or TPLC?
Large Cap Value against Mid Cap Blend.
SCHD has a lower expense ratio. SCHD led over 1Y, 3Y, 5Y and the full window. TPLC is less concentrated, with 6.7% 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 | TPLC |
|---|---|---|
| Expense Ratio | 0.06%Best | 0.52% |
| AUM | $108.9B | $303M |
| Dividend Yield | 3.00% | 0.82% |
| Holdings | 206 | 542 |
| YTD Return | +20.89%Best | +7.40% |
| 1Y Return | +23.87%Best | +6.48% |
| 3Y Return (annualized) | +16.42%Best | +14.21% |
| 5Y Return (annualized) | +9.40%Best | +8.18% |
| Volatility (annualized) | 16.3%Best | 17.1% |
| Max Drawdown | -33.4%Best | -38.1% |
| $10,000 over 5 years | $15,671Best | $14,816 |
| Top 10 Weight | 41.8% | 6.7%Best |
| Fund Family | Charles Schwab Asset Management | Timothy Plan |
| Category | Equity | Equity |
| Style | Large Cap Value | Mid Cap Blend |
| Inception | Oct 20, 2011 | May 5, 2019 |
Volatility and max drawdown are measured over the window both funds cover: May 1, 2019 to Oct 2, 2026 (7.4 years).
SCHD vs TPLC 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 TPLC Performance
Schwab US Dividend Equity ETF (SCHD) is an ETF from Charles Schwab Asset Management and Timothy Plan US Large/Mid Cap Core ETF (TPLC) is an ETF from Timothy Plan. Over the past year SCHD returned +23.87% while TPLC returned +6.48%. Year to date, SCHD is up 20.89% versus a gain of 7.40% for TPLC.
Over three years, SCHD compounded at +16.42% per year against +14.21% for TPLC; over five years the annualized figures are +9.40% and +8.18% respectively. Across the full 7-year window we track, SCHD has the edge at +11.50% annualized vs +10.27%.
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 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 -38.1% for TPLC. Drawdown depth is what each fund did in the worst stretch of the window measured above.
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 3.00% against 0.82% for TPLC.
Holdings Overlap
15.3% of SCHD's money is in holdings TPLC also owns. 5.5% of TPLC's money is in holdings SCHD also owns.
SCHD and TPLC share little of their money.
12 positions in common, counted across the 99 positions we hold weights for in SCHD and 268 in TPLC, against full books of 206 and 542.
What only one of them owns
Our book lists 248 positions for TPLC that do not appear in our book for SCHD (91.5% of the fund), and 86 for SCHD that do not appear in TPLC (84.6%).
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 TPLC | Difference |
|---|---|---|---|
| COPConocophillips Common Stock USD 0.01 | 4.19% | 0.44% | 3.75% |
| SLBSchlumberger Nv. | 2.10% | 0.34% | 1.76% |
| EOGEog Resources Inc | 1.96% | 0.48% | 1.48% |
| FASTFastenal Co. | 1.42% | 0.46% | 0.96% |
| DVNDevon Energy Corporation | 1.45% | 0.37% | 1.08% |
| PAYXPaychex, Inc. | 0.93% | 0.59% | 0.34% |
| KMBKimberly-Clark Corp. | 0.82% | 0.42% | 0.40% |
| CINFCincinnati Financial Corp. | 0.66% | 0.55% | 0.11% |
| PFGPrincipalfinancialgroupinc. | 0.57% | 0.60% | 0.03% |
| SNASnap-On Inc. | 0.49% | 0.52% | 0.03% |
You are not choosing between two funds in isolation.
Whichever of SCHD and TPLC 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 TPLC?
SCHD has an expense ratio of 0.06% while TPLC charges 0.52%. SCHD is the cheaper option, by $46 a year on a $10,000 investment.
Which performed better, SCHD or TPLC?
Over the past year SCHD returned +23.87% vs +6.48% for TPLC, so SCHD leads on 1-year performance. Over the longest common window we track (7 years), SCHD annualized +11.50% vs +10.27% for TPLC. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, SCHD or TPLC?
TPLC has been the more volatile fund at 17.1% annualized versus 16.3% 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 their returns are far enough apart for the mix to behave differently from either one alone. This is information, not a recommendation.
What is the holdings overlap between SCHD and TPLC?
15.3% of SCHD's money is in holdings TPLC also owns. 5.5% of TPLC's is in holdings SCHD also owns. They hold 12 positions in common, counted across the 99 positions we hold weights for in SCHD and 268 in TPLC.
Which pays a higher dividend, SCHD or TPLC?
SCHD yields 3.00% while TPLC yields 0.82%, so SCHD currently pays the higher dividend yield.
Is TPLC better than SCHD?
SCHD has a lower expense ratio. SCHD led over 1Y, 3Y, 5Y and the full window. TPLC is less concentrated, with 6.7% 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.