SCHD vs TPLE
Schwab US Dividend Equity ETF vs Timothy Plan US Large/Mid Core Enhanced ETF
Quick Verdict
SCHD has a lower expense ratio. SCHD delivered stronger 1-year returns. TPLE offers more diversification with 279 holdings.
Side-by-Side Comparison
| Metric | SCHD | TPLE | Winner |
|---|---|---|---|
| Expense Ratio | 0.06% | 0.52% | |
| AUM | $103.7B | $18M | |
| Dividend Yield | 3.31% | 1.01% | |
| Holdings | 104 | 279 | |
| YTD Return | +24.26% | +9.29% | |
| 1Y Return | +31.38% | +7.09% | |
| 3Y Return (annualized) | +15.08% | +6.50% | |
| 5Y Return (annualized) | +9.72% | - | |
| Volatility (annualized) | 13.6% | 13.0% | |
| Max Drawdown | -33.4% | -21.6% | |
| Fund Family | Charles Schwab Asset Management | Timothy Plan | |
| Category | Equity | Equity | |
| Inception | Oct 20, 2011 | Jul 28, 2021 |
SCHD vs TPLE Performance
Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management and Timothy Plan US Large/Mid Core Enhanced ETF (TPLE) is a ETF from Timothy Plan. Over the past year SCHD returned +31.38% while TPLE returned +7.09%. Year to date, SCHD is up 24.26% versus a gain of 9.29% for TPLE.
Over three years, SCHD compounded at +15.08% per year against +6.50% for TPLE. Across the full 4-year window we track, SCHD has the edge at +11.39% annualized vs +3.42%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
SCHD has been the more volatile fund, with annualized monthly volatility of 13.6% compared with 13.0% for TPLE. 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 -21.6% for TPLE. 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 0.79. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
SCHD charges 0.06% per year while TPLE 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 3.31% against 1.01% for TPLE.
Frequently Asked Questions
Which is cheaper, SCHD or TPLE?
SCHD has an expense ratio of 0.06% while TPLE 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 TPLE?
Over the past year SCHD returned +31.38% vs +7.09% for TPLE, so SCHD leads on 1-year performance. Over the longest common window we track (4 years), SCHD annualized +11.39% vs +3.42% for TPLE. Past performance does not guarantee future results.
Which is riskier, SCHD or TPLE?
SCHD has been the more volatile fund at 13.6% annualized versus 13.0% for TPLE. Worst drawdown: SCHD -33.4% vs TPLE -21.6%.
Should I hold both SCHD and TPLE?
SCHD and TPLE have a monthly-return correlation of 0.79, so combining them can provide real diversification depending on your allocation goals.
Which pays a higher dividend, SCHD or TPLE?
SCHD yields 3.31% while TPLE yields 1.01%, so SCHD currently pays the higher dividend yield.
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