IVV vs TPIF
iShares Core S&P 500 ETF vs Timothy Plan International ETF
Quick Verdict
IVV has a lower expense ratio. TPIF delivered stronger 1-year returns. IVV offers more diversification with 508 holdings.
Side-by-Side Comparison
| Metric | IVV | TPIF | Winner |
|---|---|---|---|
| Expense Ratio | 0.03% | 0.62% | |
| AUM | $886.7B | $269M | |
| Dividend Yield | 1.10% | 2.69% | |
| Holdings | 508 | 378 | |
| YTD Return | +12.92% | +12.42% | |
| 1Y Return | +21.22% | +22.00% | |
| 3Y Return (annualized) | +20.95% | +19.04% | |
| 5Y Return (annualized) | +12.76% | +8.22% | |
| Volatility (annualized) | 15.1% | 16.8% | |
| Max Drawdown | -56.5% | -34.1% | |
| Fund Family | iShares by BlackRock (US) | Timothy Plan | |
| Category | Equity | Equity | |
| Inception | May 15, 2000 | Dec 2, 2019 |
IVV vs TPIF Performance
iShares Core S&P 500 ETF (IVV) is a ETF from iShares by BlackRock (US) and Timothy Plan International ETF (TPIF) is a ETF from Timothy Plan. Over the past year IVV returned +21.22% while TPIF returned +22.00%. Year to date, IVV is up 12.92% versus a gain of 12.42% for TPIF.
Over three years, IVV compounded at +20.95% per year against +19.04% for TPIF; over five years the annualized figures are +12.76% and +8.22% respectively. Across the full 7-year window we track, TPIF has the edge at +9.21% annualized vs +7.00%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
TPIF has been the more volatile fund, with annualized monthly volatility of 16.8% compared with 15.1% for IVV. 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 -56.5% for IVV and -34.1% for TPIF. Drawdown depth is worth weighing if you expect to sell during market stress rather than ride it out.
The two funds' monthly returns correlate at 0.83. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
IVV charges 0.03% per year while TPIF charges 0.62%. On a $10,000 position that is $3 vs $62 annually, a gap of $59 per year that compounds over a long holding period. On income, IVV currently yields 1.10% against 2.69% for TPIF.
Holdings Overlap
IVV and TPIF share 1 holdings out of 871 unique holdings combined, representing a 0.0% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Top Shared Holdings
| Stock | Weight in IVV | Weight in TPIF | Difference |
|---|---|---|---|
| KR | 0.05% | 0.00% | 0.05% |
Frequently Asked Questions
Which is cheaper, IVV or TPIF?
IVV has an expense ratio of 0.03% while TPIF charges 0.62%. IVV is the cheaper option. On a $10,000 investment, that is $59 per year of difference.
Which performed better, IVV or TPIF?
Over the past year IVV returned +21.22% vs +22.00% for TPIF, so TPIF leads on 1-year performance. Over the longest common window we track (7 years), IVV annualized +7.00% vs +9.21% for TPIF. Past performance does not guarantee future results.
Which is riskier, IVV or TPIF?
TPIF has been the more volatile fund at 16.8% annualized versus 15.1% for IVV. Worst drawdown: IVV -56.5% vs TPIF -34.1%.
Should I hold both IVV and TPIF?
IVV and TPIF have a monthly-return correlation of 0.83, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between IVV and TPIF?
IVV and TPIF share 1 common holdings with a 0.0% weight overlap. Combined, they hold 871 unique securities.
Which pays a higher dividend, IVV or TPIF?
IVV yields 1.10% while TPIF yields 2.69%, so TPIF currently pays the higher dividend yield.
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