SPY vs TPFI
State Street SPDR S&P 500 ETF Trust vs Timothy Plan Fixed Income ETF
Which is better, SPY or TPFI?
Large Cap Blend against Intermediate Term Bond.
SPY has a lower expense ratio.
MarketXLS is not an investment adviser. This comparison is generated automatically from market data and is for information only. A Best mark means the better reading on that one measure, not a recommendation to buy.
Side-by-Side Comparison
| Metric | SPY | TPFI |
|---|---|---|
| Expense Ratio | 0.09%Best | 0.55% |
| AUM | $814.4B | $24M |
| Dividend Yield | 1.01% | - |
| Holdings | 505 | 333 |
| YTD Return | +13.34%Best | -0.50% |
| 1Y Return | +19.97% | - |
| 3Y Return (annualized) | +21.20% | - |
| 5Y Return (annualized) | +12.81% | - |
| Fund Family | State Street Investment Management | Timothy Plan |
| Category | Equity | Fixed Income |
| Style | Large Cap Blend | Intermediate Term Bond |
| Inception | Jan 22, 1993 | May 5, 2026 |
Not shown on this pair: Volatility (annualized), Max Drawdown, $10,000 over the window, Top 10 Weight.
SPY vs TPFI growth
Month-end closes. Both lines start at 0% in the first month shown, so the gap between them is the difference in growth across that window. The full view is available from the range buttons; it is not the opening view here because over the whole period one of these two funds moves so much further than the other that its line would sit flat on the axis.
SPY vs TPFI Performance
State Street SPDR S&P 500 ETF Trust (SPY) is an ETF from State Street Investment Management and Timothy Plan Fixed Income ETF (TPFI) is an ETF from Timothy Plan. Year to date, SPY is up 13.34% versus a loss of 0.50% for TPFI.
Past performance does not guarantee future results.
Fees and Cost Over Time
SPY charges 0.09% per year while TPFI charges 0.55%. On a $10,000 position that is $9 vs $55 annually, a gap of $46 per year that compounds over a long holding period.
Holdings Overlap
We hold position weights for 504 holdings in SPY and 30 in TPFI, totalling 100.0% and 5.5% of the two funds. The two books name no position in common, so there is no overlap percentage to show.
0 positions in common, counted across the 504 positions we hold weights for in SPY and 30 in TPFI, against full books of 505 and 333.
You are not choosing between two funds in isolation.
Whichever of SPY and TPFI you pick has to sit alongside everything else you own. Add the rest and see what the combination actually holds.
Free for up to 10 holdings. No account needed.
Frequently Asked Questions
Which is cheaper, SPY or TPFI?
SPY has an expense ratio of 0.09% while TPFI charges 0.55%. SPY is the cheaper option, by $46 a year on a $10,000 investment.
Is TPFI better than SPY?
SPY has a lower expense ratio. Which one suits a particular account depends on what it is for. This is information, not a recommendation.