SCHD vs TPSC
Schwab US Dividend Equity ETF vs Timothy Plan US Small Cap Core ETF
Which is better, SCHD or TPSC?
Large Cap Value against Small Cap Blend.
SCHD has a lower expense ratio. SCHD led over 1Y, 3Y, 5Y and the full window. TPSC is less concentrated, with 4.3% 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 | TPSC |
|---|---|---|
| Expense Ratio | 0.06%Best | 0.52% |
| AUM | $112.1B | $374M |
| Dividend Yield | 3.00% | 1.04% |
| Holdings | 103 | 435 |
| YTD Return | +24.23%Best | +11.15% |
| 1Y Return | +27.90%Best | +12.12% |
| 3Y Return (annualized) | +15.55%Best | +14.57% |
| 5Y Return (annualized) | +9.97%Best | +8.14% |
| Volatility (annualized) | 16.8%Best | 21.4% |
| Max Drawdown | -33.4%Best | -41.9% |
| $10,000 over 5 years | $16,083Best | $14,789 |
| Top 10 Weight | 41.8% | 4.3%Best |
| Fund Family | Charles Schwab Asset Management | Timothy Plan |
| Category | Equity | Equity |
| Style | Large Cap Value | Small Cap Blend |
| Inception | Oct 20, 2011 | Dec 2, 2019 |
Volatility and max drawdown are measured over the window both funds cover: Dec 3, 2019 to Sep 17, 2026 (6.8 years).
SCHD vs TPSC 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 6.8 years both funds cover.
SCHD vs TPSC Performance
Schwab US Dividend Equity ETF (SCHD) is an ETF from Charles Schwab Asset Management and Timothy Plan US Small Cap Core ETF (TPSC) is an ETF from Timothy Plan. Over the past year SCHD returned +27.90% while TPSC returned +12.12%. Year to date, SCHD is up 24.23% versus a gain of 11.15% for TPSC.
Over three years, SCHD compounded at +15.55% per year against +14.57% for TPSC; over five years the annualized figures are +9.97% and +8.14% respectively. Across the full 7-year window we track, SCHD has the edge at +12.24% annualized vs +10.60%.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
TPSC has been the more volatile fund, with annualized monthly volatility of 21.4% compared with 16.8% 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 -41.9% for TPSC. Drawdown depth is what each fund did in the worst stretch of the window measured above.
The two funds' monthly returns correlate at 0.85. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
SCHD charges 0.06% per year while TPSC 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 1.04% for TPSC.
Holdings Overlap
2.0% of SCHD's money is in holdings TPSC also owns. 5.0% of TPSC's money is in holdings SCHD also owns.
TPSC and SCHD share little of their money.
19 positions in common, counted across the 100 positions we hold weights for in SCHD and 433 in TPSC, against full books of 103 and 435.
What only one of them owns
Our book lists 407 positions for TPSC that do not appear in our book for SCHD (92.6% of the fund), and 80 for SCHD that do not appear in TPSC (97.9%).
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 TPSC | Difference |
|---|---|---|---|
| APAApa Corp | 0.37% | 0.20% | 0.17% |
| FHIFederated Investors Inc. | 0.11% | 0.38% | 0.27% |
| MSMMsc Industrial Direct Co Inc | 0.13% | 0.35% | 0.22% |
| KFYKorn Ferry | 0.11% | 0.36% | 0.25% |
| COLBColumbia Banking System Inc Common Stock | 0.21% | 0.24% | 0.03% |
| OZKBank Ozk | 0.12% | 0.30% | 0.18% |
| APAMArtisan Partners Asset Management, Inc. | 0.07% | 0.33% | 0.26% |
| CVBFCvb Financial Corp. | 0.09% | 0.30% | 0.21% |
| CNSCohen & Steers Inc | 0.05% | 0.33% | 0.28% |
| IPARInter Parfums Inc | 0.05% | 0.33% | 0.28% |
You are not choosing between two funds in isolation.
Whichever of SCHD and TPSC 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 TPSC?
SCHD has an expense ratio of 0.06% while TPSC charges 0.52%. SCHD is the cheaper option, by $46 a year on a $10,000 investment.
Which performed better, SCHD or TPSC?
Over the past year SCHD returned +27.90% vs +12.12% for TPSC, so SCHD leads on 1-year performance. Over the longest common window we track (7 years), SCHD annualized +12.24% vs +10.60% for TPSC. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, SCHD or TPSC?
TPSC has been the more volatile fund at 21.4% annualized versus 16.8% for SCHD. Worst drawdown: SCHD -33.4% vs TPSC -41.9%.
Should I hold both SCHD and TPSC?
SCHD and TPSC have a monthly-return correlation of 0.85, 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 TPSC?
5.0% of TPSC's money is in holdings SCHD also owns. 5.0% of TPSC's is in holdings SCHD also owns. They hold 19 positions in common, counted across the 100 positions we hold weights for in SCHD and 433 in TPSC.
Which pays a higher dividend, SCHD or TPSC?
SCHD yields 3.00% while TPSC yields 1.04%, so SCHD currently pays the higher dividend yield.
Is TPSC better than SCHD?
SCHD has a lower expense ratio. SCHD led over 1Y, 3Y, 5Y and the full window. TPSC is less concentrated, with 4.3% 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.