SPY vs TPFC
SPY vs TPFC
State Street SPDR S&P 500 ETF Trust vs Timothy Plan Free Cash Flow ETF
Quick Verdict
SPY has a lower expense ratio. SPY offers more diversification with 503 holdings.
Side-by-Side Comparison
| Metric | SPY | TPFC | Winner |
|---|---|---|---|
| Expense Ratio | 0.09% | 0.59% | |
| AUM | $789.1B | - | |
| Dividend Yield | 1.01% | - | |
| Holdings | 505 | 51 | |
| YTD Return | +13.79% | +8.61% | |
| 1Y Return | +23.66% | - | |
| 3Y Return (annualized) | +21.40% | - | |
| 5Y Return (annualized) | +13.37% | - | |
| Volatility (annualized) | 15.3% | - | |
| Max Drawdown | -56.5% | -5.8% | |
| Fund Family | State Street Investment Management | Timothy Plan | |
| Category | Equity | Equity | |
| Inception | Jan 22, 1993 | May 5, 2026 |
SPY vs TPFC Performance
State Street SPDR S&P 500 ETF Trust (SPY) is a ETF from State Street Investment Management and Timothy Plan Free Cash Flow ETF (TPFC) is a ETF from Timothy Plan. Year to date, SPY is up 13.79% versus a gain of 8.61% for TPFC.
Risk: Volatility and Drawdowns
The deepest peak-to-trough decline in our data was -56.5% for SPY and -5.8% for TPFC. Drawdown depth is worth weighing if you expect to sell during market stress rather than ride it out.
Fees and Cost Over Time
SPY charges 0.09% per year while TPFC charges 0.59%. On a $10,000 position that is $9 vs $59 annually, a gap of $50 per year that compounds over a long holding period.
Holdings Overlap
SPY and TPFC share 37 holdings out of 516 unique holdings combined, representing a 2.3% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Top Shared Holdings
| Stock | Weight in SPY | Weight in TPFC | Difference |
|---|---|---|---|
| NOW | 0.17% | 4.59% | 4.42% |
| PSX | 0.11% | 4.10% | 3.99% |
| VST | 0.08% | 3.51% | 3.43% |
| FANG | Pro | Pro | Pro |
| HUM | Pro | Pro | Pro |
| NXPI | Pro | Pro | Pro |
| NEM | Pro | Pro | Pro |
| DVN | Pro | Pro | Pro |
| HCA | Pro | Pro | Pro |
| GD | Pro | Pro | Pro |
See all 10 holdings SPY shares with TPFC Exact weights in each fund and the difference, for every overlapping position. Get FundXLS Pro: $29/moFirst 500 subscribers, then $49/mo. Cancel anytime. | |||
Frequently Asked Questions
Which is cheaper, SPY or TPFC?
SPY has an expense ratio of 0.09% while TPFC charges 0.59%. SPY is the cheaper option. On a $10,000 investment, that is $50 per year of difference.
What is the holdings overlap between SPY and TPFC?
SPY and TPFC share 37 common holdings with a 2.3% weight overlap. Combined, they hold 516 unique securities.
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