SCHP vs SDY: ETF Comparison
Compare SCHP (Schwab U.S. TIPS ETF) and SDY (SPDR S&P Dividend ETF) side by side by average annual total return since inception — one fair number covering price and dividends.
Updated Aug 4, 2026
*For entertainment purposes ONLY! NOT financial advice! Data may be inaccurate.*
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SCHP vs SDY: The Verdict
On average annual total return since inception, SDY holds a clear edge over SCHP: +9.0% per year vs +2.7% per year — a gap of 6.3 percentage points annually. Total return counts both price movement and dividends, so this is the whole picture of each fund's performance, not just yield.
Keep the track records in mind: SDY has been trading for 20.7 years, while SCHP has only 16.0 years of history. A shorter track record means the younger fund's average has been shaped by fewer market environments — one strong or weak stretch moves the needle more.
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SCHP vs SDY Side-by-Side Data
| Symbol | Name | Provider | Inception | Age | Total Return | Avg. Annual Return | Yield | Expense Ratio | Grade |
|---|---|---|---|---|---|---|---|---|---|
| SCHP | Schwab U.S. TIPS ETF | Schwab | 8/5/2010 | 16.0y | +52.0% | +2.7% | 3.2% | 0.03% | B |
| SDY | SPDR S&P Dividend ETF | State Street | 11/8/2005 | 20.7y | +497.0% | +9.0% | 2.6% | 0.35% | A |
SCHP vs SDY — Frequently Asked Questions
Which is better, SCHP or SDY?
By average annual total return since inception, SDY holds a clear edge over SCHP (+9.0% vs +2.7% per year). "Better" depends on your goals — yield, payout frequency, and strategy differ between the two funds.
What is the difference between SCHP and SDY?
SCHP (Schwab U.S. TIPS ETF) is offered by Schwab and currently yields 3.2%. SDY (SPDR S&P Dividend ETF) is offered by State Street and yields 2.6%. Their average annual total returns since inception are +2.7% and +9.0% respectively.
Does SDY pay a higher dividend than SCHP?
SDY currently yields 2.6% and SCHP yields 3.2%. Remember that yield alone doesn't capture performance — total return (price + dividends) is the fairer comparison.