SCHD vs TPMN
Schwab US Dividend Equity ETF vs Timothy Plan Market Neutral ETF
Which is better, SCHD or TPMN?
Large Cap Value against Allocation/Balanced.
SCHD has a lower expense ratio. SCHD led over 1Y and the full window.
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 | TPMN |
|---|---|---|
| Expense Ratio | 0.06%Best | 0.65% |
| AUM | $112.1B | $31M |
| Dividend Yield | 3.00% | 4.08% |
| Holdings | 103 | 298 |
| Volatility (annualized) | 13.2% | 4.5%Best |
| Max Drawdown | -16.1% | -5.1%Best |
| $10,000 over 2.5 years | $11,722Best | $11,067 |
| Fund Family | Charles Schwab Asset Management | Timothy Plan |
| Category | Equity | Allocation/Balanced |
| Style | Large Cap Value | Allocation/Balanced |
| Inception | Oct 20, 2011 | Jan 24, 2023 |
Not shown on this pair: YTD Return, 1Y Return, 3Y Return (annualized), 5Y Return (annualized), Top 10 Weight.
The two price series end 415 days apart, so a return over any period would be measuring two different stretches of market. Those rows are withheld. SCHD has data through Sep 10, 2026 and TPMN through Jul 22, 2025.
Volatility and max drawdown, and the $10,000 over 2.5 years row, are measured over the window both funds cover: Jan 25, 2023 to Jul 22, 2025 (2.5 years).
Risk: Volatility and Drawdowns
SCHD has been the more volatile fund, with annualized monthly volatility of 13.2% 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 -16.1% for SCHD and -5.1% for TPMN. Drawdown depth is what each fund did in the worst stretch of the window measured above.
The two funds' monthly returns correlate at -0.14. They move largely independently of each other.
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 3.00% against 4.08% for TPMN.
You are not choosing between two funds in isolation.
Whichever of SCHD and TPMN 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 TPMN?
SCHD has an expense ratio of 0.06% while TPMN charges 0.65%. SCHD is the cheaper option, by $59 a year on a $10,000 investment.
Which is riskier, SCHD or TPMN?
SCHD has been the more volatile fund at 13.2% annualized versus 4.5% for TPMN. Worst drawdown: SCHD -16.1% vs TPMN -5.1%.
Should I hold both SCHD and TPMN?
SCHD and TPMN have a monthly-return correlation of -0.14, so their returns are far enough apart for the mix to behave differently from either one alone. This is information, not a recommendation.
Which pays a higher dividend, SCHD or TPMN?
SCHD yields 3.00% while TPMN yields 4.08%, so TPMN currently pays the higher dividend yield.
Is TPMN better than SCHD?
SCHD has a lower expense ratio. SCHD led over 1Y and the full window. Which one suits a particular account depends on what it is for. This is information, not a recommendation.