Which returned more over the last year, SCHP or SDY?

In the year to Sep 12, 2026, with distributions reinvested, SCHP returned −0.8% and SDY returned +11.0%, so SDY returned more. One year is one year; the longer windows are in the table.

Which is cheaper, SCHP or SDY?

SCHP charges 0.03% a year and SDY charges 0.35%, so SCHP is cheaper. Fees come from each fund's prospectus.

Data as of Sep 12, 2026. Both funds on the fields they both publish, from the same sources.

ETFIQetfiq.com · independent ETF data

SCHP vs SDY: how they differ

SCHP and SDY hold 0% of their weight in the same names, and SDY returned more over the year.

Schwab U.S. TIPS ETF and State Street(R) SPDR(R) S&P(R) Dividend ETF.

What they hold in common

By the books each fund has filed, SCHP and SDY hold 0% of their money in the same securities at the same weight.

Largest positions each one holds and the other does not
Only in SCHP	Only in SDY
United States Treasury 4.09%	Verizon Communications Inc 2.15%
United States Treasury 4.03%	Realty Income Corp 2.14%
United States Treasury 4.02%	Kenvue Inc 1.76%
United States Treasury 3.79%	Kimberly-Clark Corp 1.75%
United States Treasury 3.62%	AbbVie Inc 1.63%
United States Treasury 3.42%	QUALCOMM Inc 1.57%
United States Treasury 3.39%	Texas Instruments Inc 1.56%
United States Treasury 3.38%	Target Corp 1.55%

Weight overlap is an ETFIQ calculation: for every security both funds hold, the smaller of the two weights, summed. Above 50%, holding both is close to holding one of them twice. Holdings dated Jun 30, 2026.

SCHP and SDY on the fields both publish, as of Sep 12, 2026. Source: ETFIQ.
	SCHP Schwab U.S. TIPS ETF	SDY State Street(R) SPDR(R) S&P(R) Dividend ETF
Where it sits	Core index fund	Core index fund
Issuer	Schwab	State Street
What it is	US TIPS	SPDR S&P Dividend
Total return, 1 year	−0.8%	+11.0%
S&P 500 over the same days	+17.5%	+17.5%
Gap to the S&P 500	−18.4 pts	−6.5 pts
Expense ratio	0.03%	0.35%
Holdings	48	155

SCHP in plain words

SCHP is a bond fund tracking the US TIPS. Over the year to Sep 11, 2026 it returned −0.8% with distributions reinvested, against +17.5% for the S&P 500 and +23.0% for the Nasdaq-100. The prospectus expense ratio is 0.03% a year.

SDY in plain words

SDY is an index equity fund tracking the SPDR S&P Dividend. Over the year to Sep 11, 2026 it returned +11.0% with distributions reinvested, against +17.5% for the S&P 500 and +23.0% for the Nasdaq-100. The prospectus expense ratio is 0.35% a year. By its holdings filed for Jun 30, 2026, 85% of the fund by weight is stocks the S&P 500 also holds, across 155 positions, with the top ten at 17.1%. It sat 3.9% below its high of Aug 24, 2026 on Sep 11, 2026.

Questions people ask

Which returned more over the last year, SCHP or SDY?: In the year to Sep 12, 2026, with distributions reinvested, SCHP returned −0.8% and SDY returned +11.0%, so SDY returned more. One year is one year; the longer windows are in the table.
Which is cheaper, SCHP or SDY?: SCHP charges 0.03% a year and SDY charges 0.35%, so SCHP is cheaper. Fees come from each fund's prospectus.

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Where these figures came from

ETFIQ links to the documents behind every figure. It is not affiliated with any issuer, and a link is not an endorsement.

SCHP against SDY, ETFIQ, data as of Sep 12, 2026. Every figure is arithmetic on a named public source; the method is at etfiq.com/methodology. A comparison is not a recommendation.

Cite this page. ETFIQ, SCHP against SDY, data as of Sep 12, 2026. https://etfiq.com/compare/any/SCHP-SDY Free to use with attribution; the underlying files are at Open data.

A comparison is not a recommendation. Standards and sources