SCHH vs TPLC
Schwab US REIT ETF vs Timothy Plan US Large/Mid Cap Core ETF
Which is better, SCHH or TPLC?
TPLC has been ahead.
SCHH has a lower expense ratio. TPLC led over 1Y, 3Y, 5Y and the full window. TPLC is less concentrated, with 7.0% of the fund in its ten largest positions against 51.2%.
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 | SCHH | TPLC |
|---|---|---|
| Expense Ratio | 0.07%Best | 0.52% |
| AUM | $10.8B | $311M |
| Dividend Yield | 3.08% | 0.86% |
| Holdings | 120 | 542 |
| YTD Return | +8.22% | +8.72%Best |
| 1Y Return | +8.03% | +9.22%Best |
| 3Y Return (annualized) | +10.69% | +13.58%Best |
| 5Y Return (annualized) | +1.48% | +7.65%Best |
| Volatility (annualized) | 19.2% | 17.1%Best |
| Max Drawdown | -44.2% | -38.1%Best |
| $10,000 over 5 years | $10,762 | $14,457Best |
| Top 10 Weight | 51.2% | 7.0%Best |
| Fund Family | Charles Schwab Asset Management | Timothy Plan |
| Category | Equity | Equity |
| Style | Mid Cap Blend | Mid Cap Blend |
| Inception | Jan 13, 2011 | May 5, 2019 |
Volatility and max drawdown are measured over the window both funds cover: May 1, 2019 to Oct 14, 2026 (7.5 years).
SCHH 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 7.5 years both funds cover.
SCHH vs TPLC Performance
Schwab US REIT ETF (SCHH) 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 SCHH returned +8.03% while TPLC returned +9.22%. Year to date, SCHH is up 8.22% versus a gain of 8.72% for TPLC.
Over three years, SCHH compounded at +10.69% per year against +13.58% for TPLC; over five years the annualized figures are +1.48% and +7.65% respectively. Across the full 8-year window we track, TPLC has the edge at +10.40% annualized vs +2.08%.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
SCHH has been the more volatile fund, with annualized monthly volatility of 19.2% compared with 17.1% for TPLC. 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 -44.2% for SCHH 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 0.87. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
SCHH charges 0.07% per year while TPLC charges 0.52%. On a $10,000 position that is $7 vs $52 annually, a gap of $45 per year that compounds over a long holding period. On income, SCHH currently yields 3.08% against 0.86% for TPLC.
Holdings Overlap
We hold position weights for 119 holdings in SCHH and 268 in TPLC, totalling 99.5% and 99.8% of the two funds. The two books name no position in common, so there is no overlap percentage to show.
0 positions in common, counted across the 119 positions we hold weights for in SCHH and 268 in TPLC, against full books of 120 and 542.
What only one of them owns
Measured across the 119 and 268 positions we hold weights for.
TPLC holds 261 positions SCHH does not, 97.2% of the fund.
Largest: OKTA 0.85%, NTAP 0.83%, PANW 0.79%, EVRG 0.69%, WEC 0.65%
You are not choosing between two funds in isolation.
Whichever of SCHH 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, SCHH or TPLC?
SCHH has an expense ratio of 0.07% while TPLC charges 0.52%. SCHH is the cheaper option, by $45 a year on a $10,000 investment.
Which performed better, SCHH or TPLC?
Over the past year SCHH returned +8.03% vs +9.22% for TPLC, so TPLC leads on 1-year performance. Over the longest common window we track (8 years), SCHH annualized +2.08% vs +10.40% for TPLC. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, SCHH or TPLC?
SCHH has been the more volatile fund at 19.2% annualized versus 17.1% for TPLC. Worst drawdown: SCHH -44.2% vs TPLC -38.1%.
Should I hold both SCHH and TPLC?
SCHH and TPLC have a monthly-return correlation of 0.87, 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, SCHH or TPLC?
SCHH yields 3.08% while TPLC yields 0.86%, so SCHH currently pays the higher dividend yield.
Is TPLC better than SCHH?
SCHH has a lower expense ratio. TPLC led over 1Y, 3Y, 5Y and the full window. TPLC is less concentrated, with 7.0% of the fund in its ten largest positions against 51.2%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.