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SCHZ vs TPFI

Schwab U.S. Aggregate Bond ETF

SCHZANYSE Arca

Timothy Plan Fixed Income ETF

TPFIDNYSE Arca

Overlap

No data

Expense ratio

SCHZ −0.52pt a year

SCHZ0.03%TPFI0.55%

Avg volume · 30D

SCHZ 379.8×the volume

SCHZ2.37MTPFI6.23K

SCHZ vs TPFI Performance

Jul 31, 2026 – Oct 30, 2026

+0.1%SCHZ−0.3%TPFI

Jul 31, 2026 to Oct 30, 2026. SCHZ +0.1%. TPFI −0.3%. Use the arrow keys to read each point.−2%−1%1%Jul 2026Sep 2026Oct 2026
Expense ratio
SCHZ 0.03%, better
TPFI 0.55%
Fund size
SCHZ $10.8B
TPFI $29M
1Y total return
SCHZ −0.2%
TPFI No data
Yield (12M)
SCHZ 4.27%
TPFI No data
Holdings
SCHZ 12610
TPFI 460
Avg volume (30D)
SCHZ 2.37M sh, better
TPFI 6.23K sh
NAV per share
SCHZ $22.54
TPFI $24.28
52W range

ETF.net Grade

SCHZ: Cost 97, Risk 47, Mission 100, Tradability 85, Holdings 78, Durability 88. TPFI: Cost 13, Risk 33, Mission not scored, Tradability 28, Holdings 52, Durability 10.
Pillar letters and Scores for SCHZ, TPFI, with each pillar’s weight
PillarSCHZTPFI
Cost30% weightA97HigherF13
Mission25% weightA100Not scored
Risk15% weightC47HigherD33
Tradability15% weightA85HigherD28
Holdings10% weightA78HigherC52
Durability5% weightA88HigherF10

Rank among US Aggregate Bond funds

How we build Categories ›
Same Category. Both funds are graded against the same funds, so their Grades compare head to head.

Same Category. SCHZ and TPFI are both graded against the same 114 US Aggregate Bond funds, so their Grades compare head to head.

US Aggregate Bond⁠

Category · 114 funds
See all 114 ›

SCHZ ranks 2nd and TPFI 111th of 114 funds in the US Aggregate Bond Category.

  1. Rank 1AAGGiShares Core U.S. Aggregate Bond ETFScore 87
  2. Rank 2AIUSBiShares Core Universal USD Bond ETFScore 86
  3. Rank 2ASCHZSchwab U.S. Aggregate Bond ETFScore 86
  4. Rank 2ASPABState Street SPDR Portfolio Aggregate Bond ETFScore 86
  5. Rank 111DSJCPSanJac Alpha Core Plus Bond ETFScore 25
  6. Rank 111DTPFITimothy Plan Fixed Income ETFScore 25
  7. Rank 113FCRDTSimplify Opportunistic Income ETFScore 13
  8. AGZDNot yet graded

Our read on each fund

ETF.net Research

SCHZASchwab U.S. Aggregate Bond ETF

TPFIDTimothy Plan Fixed Income ETF

In short

SCHZ Schwab's core bond holding: the broad U.S. investment-grade bond market, over 10,000 issues deep, for 0.03% a year. That is the floor of a category whose median fee is more than ten times higher. Running since 2011, pays monthly.

TPFI Timothy Plan spent years screening stocks against biblical criteria. In 2026 it pointed that lens at bonds: an income-focused fixed income fund for investors who want their debt sleeve run by the same rulebook as their stocks.

Stated mandate

SCHZ The fund seeks to track the total return of an index representing the broad U.S. investment-grade bond market.

TPFI The Fund seeks high current income while limiting undue risk to principal.

Why people hold it

  • SCHZ 0.03% a year sits at the category floor, against a cohort median of 0.36%. Only a short list of aggregate-bond funds matches it, including AGG, BND and SPAB.
  • Tracks the Bloomberg US Aggregate Bond Index tightly, one of the cleanest index implementations among the 187 funds in its peer group.schwabassetmanagement.com
  • One ticker, thousands of investment-grade U.S. bonds, income paid monthly. The plumbing of a bond portfolio without buying a single bond yourself.
  • Live since 2011 and now a multi-billion-dollar fund that trades actively, so trading costs on ordinary retail-sized orders tend to be minor.
  • TPFI The bond leg of a biblically screened lineup. Timothy Plan's equity ETFs date back to 2019; this one extends the same values-first approach to debt.timothyplan.com
  • Plain mandate: at least 80% of assets in debt securities, aiming for high current income while limiting undue risk to principal.
  • Fills the fixed income slot in a family that was all equity until 2026: large cap, small cap, international and high dividend funds.timothyplan.com

Worth knowing

  • SCHZ This is duration exposure, not a cash substitute. Interest-rate moves, not credit selection, drive most of the ride, and that is the weakest part of its risk profile.
  • Investment grade and U.S. only: no high-yield, no foreign bonds. Funds like BNDX cover the international side of the cohort.
  • The aggregate-bond aisle is commoditized. Against AGG, BND and SPAB at the same 0.03%, the differences come down to index variant and where you already custody, not fee.
  • TPFI At 0.55% a year, it costs well above plain index aggregate bond funds such as BND, SPAB and SCHZ at 0.03%. Screening and hands-on management carry a price.
  • A 2026 launch, so the track record is short and it trades in a fraction of the volume of the index bond giants, which can widen bid-ask spreads.
  • Income lands on an annual or semiannual schedule rather than the monthly cadence many bond funds use.

Full SCHZ profile⁠

Full TPFI profile⁠

SCHZ vs TPFI Holdings

How we measure overlap

Each holding counts at its smaller weight in the two funds, summed over the full Holdings. Sector, country and asset class use the same rule on each fund’s split. Cash, FX and derivative lines stay out of the counts. Two bond funds get no overlap figure.

SCHZ vs TPFI Cost

Overpaying TPFI vs SCHZ

$10,266

On $10,000 over 30 years. 7% growth a year before fees, expense ratio only.

  • SCHZ 0.03%

    $638

  • TPFI 0.55%

    $10,904

$10,000
30 years

Cost over time

  • SCHZ 0.03%
  • TPFI 0.55%
  • Overpaying
One line per fund, from year 0 to year 30. Use the arrow keys to read each point.$0$2.5K$5K$7.5K$10K$12.5K051015202530TPFI $10,904SCHZ $638

Year by year

YearSCHZTPFIOverpaying
10$55$988$933
20$216$3,790$3,574
30$638$10,904$10,266

Expense ratio

  • 0.03%SCHZ, cheaper
  • 0.55%TPFI
  • Middle half of US Aggregate Bond funds
  • Median 0.34%

SCHZ 2nd cheapest of 114 funds

TPFI 97th cheapest of 114 funds

SCHZ vs TPFI Dividends

Last 12 months to Oct 30, 2026
Yield (12M)
SCHZ 4.27%
TPFI No data
Payout (12M)
SCHZ $0.96
TPFI No data
Last payment
SCHZ $0.08
TPFI $0.09
Ex-dividend
SCHZ Oct 1, 2026
TPFI Oct 8, 2026
Paid on
SCHZ Oct 7, 2026
TPFI Oct 9, 2026
Frequency
SCHZ Monthly
TPFI Monthly

Distribution history

Per share, 2023 to 2026, same scale for both

SCHZMonthly · 45 paymentsAll SCHZ payments⁠
One bar per payment. 45 payments from 2023 to 2026 YTD. Feb 1, 2023 $0.06; Mar 1, 2023 $0.06; Apr 3, 2023 $0.06; May 1, 2023 $0.06; Jun 1, 2023 $0.06; Jul 3, 2023 $0.06; Aug 1, 2023 $0.06; Sep 1, 2023 $0.07; Oct 2, 2023 $0.07; Nov 1, 2023 $0.07; Dec 1, 2023 $0.07; Dec 15, 2023 $0.07; Feb 1, 2024 $0.08; Mar 1, 2024 $0.07; Apr 1, 2024 $0.07; May 1, 2024 $0.07; Jun 3, 2024 $0.08; Jul 1, 2024 $0.07; Aug 1, 2024 $0.08; Sep 3, 2024 $0.08; Oct 1, 2024 $0.07; Nov 1, 2024 $0.08; Dec 2, 2024 $0.07; Dec 20, 2024 $0.08; Feb 3, 2025 $0.09; Mar 3, 2025 $0.08; Apr 1, 2025 $0.07; May 1, 2025 $0.08; Jun 2, 2025 $0.08; Jul 1, 2025 $0.08; Aug 1, 2025 $0.08; Sep 2, 2025 $0.08; Oct 1, 2025 $0.08; Nov 3, 2025 $0.08; Dec 1, 2025 $0.07; Dec 19, 2025 $0.08; Feb 2, 2026 $0.09; Mar 2, 2026 $0.08; Apr 1, 2026 $0.08; May 1, 2026 $0.08; Jun 1, 2026 $0.08; Jul 1, 2026 $0.08; Aug 3, 2026 $0.09; Sep 1, 2026 $0.08; Oct 1, 2026 $0.08. Use the arrow keys to read each point.$0$0.1020232026YTD
TPFIMonthly · 5 paymentsAll TPFI payments⁠
One bar per payment. 5 payments from 2023 to 2026 YTD. Jun 9, 2026 $0.08; Jul 9, 2026 $0.09; Aug 7, 2026 $0.08; Sep 9, 2026 $0.09; Oct 8, 2026 $0.09. Use the arrow keys to read each point.$0$0.1020232026YTD

SCHZ vs TPFI Risk

Fall from peak · 5 years

This chart needs five years of history for both funds.

Risk facts

VolatilityStd dev, 3 years
SCHZ 5.6%TPFI No data
Return per unit of riskSharpe ratio, 3 years
SCHZ 0.17TPFI No data
Worst fallMax drawdown, 5 years
SCHZ −17.5%TPFI No data
Market sensitivityBeta, 5 years
SCHZ 0.99TPFI 0.11

SCHZ and TPFI in the news

All news⁠

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