SCHD vs TPMN
Schwab US Dividend Equity ETF vs Timothy Plan Market Neutral ETF
Quick Verdict
SCHD has a lower expense ratio. SCHD delivered stronger 1-year returns. TPMN offers more diversification with 298 holdings.
Side-by-Side Comparison
| Metric | SCHD | TPMN | Winner |
|---|---|---|---|
| Expense Ratio | 0.06% | 0.65% | |
| AUM | $103.7B | $31M | |
| Dividend Yield | 3.31% | 4.08% | |
| Holdings | 104 | 298 | |
| YTD Return | +25.58% | +2.40% | |
| 1Y Return | +31.06% | +4.75% | |
| 3Y Return (annualized) | +15.55% | - | |
| 5Y Return (annualized) | +9.61% | - | |
| Volatility (annualized) | 13.6% | 4.5% | |
| Max Drawdown | -33.4% | -5.1% | |
| Fund Family | Charles Schwab Asset Management | Timothy Plan | |
| Category | Equity | Allocation/Balanced | |
| Inception | Oct 20, 2011 | Jan 24, 2023 |
SCHD vs TPMN Performance
Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management and Timothy Plan Market Neutral ETF (TPMN) is a ETF from Timothy Plan. Over the past year SCHD returned +31.06% while TPMN returned +4.75%. Year to date, SCHD is up 25.58% versus a gain of 2.40% for TPMN.
Risk: Volatility and Drawdowns
SCHD has been the more volatile fund, with annualized monthly volatility of 13.6% compared with 4.5% for TPMN. 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 -5.1% for TPMN. 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 -0.14. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
SCHD charges 0.06% per year while TPMN charges 0.65%. On a $10,000 position that is $6 vs $65 annually, a gap of $59 per year that compounds over a long holding period. On income, SCHD currently yields 3.31% against 4.08% for TPMN.
Frequently Asked Questions
Which is cheaper, SCHD or TPMN?
SCHD has an expense ratio of 0.06% while TPMN charges 0.65%. SCHD is the cheaper option. On a $10,000 investment, that is $59 per year of difference.
Which performed better, SCHD or TPMN?
Over the past year SCHD returned +31.06% vs +4.75% for TPMN, so SCHD leads on 1-year performance. Over the longest common window we track (3 years), SCHD annualized +11.46% vs +4.14% for TPMN. Past performance does not guarantee future results.
Which is riskier, SCHD or TPMN?
SCHD has been the more volatile fund at 13.6% annualized versus 4.5% for TPMN. Worst drawdown: SCHD -33.4% vs TPMN -5.1%.
Should I hold both SCHD and TPMN?
SCHD and TPMN have a monthly-return correlation of -0.14, so combining them can provide real diversification depending on your allocation goals.
Which pays a higher dividend, SCHD or TPMN?
SCHD yields 3.31% while TPMN yields 4.08%, so TPMN currently pays the higher dividend yield.
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