TMF vs SCHD: which was the better investment?
Direxion Daily 20+ Year Treasury Bull 3X Shares against Schwab U.S. Dividend Equity ETF on real daily total-return data — every dividend reinvested, from Oct 20, 2011 to Jul 15, 2026.
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Frequently asked questions
Did TMF beat SCHD?
No — measured from Oct 20, 2011 to Jul 15, 2026 with dividends reinvested, SCHD came out ahead: $61,900 versus $2,676 from a $10,000 start. That gap compounds from a 13.2% annual return against -8.6%.
What would $10,000 in TMF be worth today?
$10,000 invested in Direxion Daily 20+ Year Treasury Bull 3X Shares (TMF) on Oct 20, 2011 would be worth about $2,676 as of Jul 15, 2026, a total return of -73.2% (-8.6% per year). The same $10,000 in SCHD would be worth $61,900.
Which was riskier — TMF or SCHD?
TMF swung with an annualized volatility of 43.0% and a worst peak-to-trough drop of -92.7%; SCHD ran at 15.4% volatility with a -33.4% maximum drawdown. Risk-adjusted (Sharpe ratio), that is -0.25 for TMF vs 0.73 for SCHD.
What data is this comparison based on?
Daily adjusted closing prices covering Oct 20, 2011 through Jul 15, 2026 — the full period where both assets have price history. Adjusted prices include dividends and splits, so these are total returns. The page refreshes with new market data every day.
Can I change the dates, amounts, or add monthly investing?
Yes — the interactive tool on this page is pre-loaded with TMF vs SCHD. You can set any start and end date, change the starting amount, add monthly contributions, or build a multi-asset portfolio and compare it against any benchmark.