TPFC vs VOO
Timothy Plan Free Cash Flow ETF vs Vanguard S&P 500 ETF
Which is better, TPFC or VOO?
Mid Cap Value against Large Cap Blend.
VOO has a lower expense ratio. VOO is less concentrated, with 37.6% of the fund in its ten largest positions against 43.4%.
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 | TPFC | VOO |
|---|---|---|
| Expense Ratio | 0.59% | 0.03%Best |
| AUM | $43M | $997.4B |
| Dividend Yield | 0.16% | 1.04% |
| Holdings | 51 | 509 |
| YTD Return | +11.14% | +12.37%Best |
| 1Y Return | - | +16.61% |
| 3Y Return (annualized) | - | +21.37% |
| 5Y Return (annualized) | - | +13.49% |
| Top 10 Weight | 43.4% | 37.6%Best |
| Fund Family | Timothy Plan | Vanguard (US) |
| Category | Equity | Equity |
| Style | Mid Cap Value | Large Cap Blend |
| Inception | May 5, 2026 | Sep 7, 2010 |
Not shown on this pair: Volatility (annualized), Max Drawdown, $10,000 over the window.
TPFC vs VOO 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.
TPFC vs VOO Performance
Timothy Plan Free Cash Flow ETF (TPFC) is an ETF from Timothy Plan and Vanguard S&P 500 ETF (VOO) is an ETF from Vanguard (US). Year to date, TPFC is up 11.14% versus a gain of 12.37% for VOO.
Past performance does not guarantee future results.
Fees and Cost Over Time
TPFC charges 0.59% per year while VOO charges 0.03%. On a $10,000 position that is $59 vs $3 annually, a gap of $56 per year that compounds over a long holding period. On income, TPFC currently yields 0.16% against 1.04% for VOO.
Holdings Overlap
80.1% of TPFC's money is in holdings VOO also owns. 2.4% of VOO's money is in holdings TPFC also owns.
Most of TPFC is already inside VOO. Owning both mostly buys the same companies twice.
37 positions in common, counted across the 50 positions we hold weights for in TPFC and 494 in VOO, against full books of 51 and 509.
What only one of them owns
Our book lists 451 positions for VOO that do not appear in our book for TPFC (96.9% of the fund), and 11 for TPFC that do not appear in VOO (18.2%).
Some of those will be the same company recorded under a different code in one of the two books, so the real difference in what you would own is no larger than this and may be smaller. We do not name the individual positions here for that reason.
Top Shared Holdings
| Stock | Weight in TPFC | Weight in VOO | Difference |
|---|---|---|---|
| CTSHCognizant Technology Solutions Corp. Class A | 5.21% | 0.04% | 5.17% |
| PSXPhillips 66 | 4.77% | 0.13% | 4.64% |
| NEMNewmont Corp Common | 4.71% | 0.16% | 4.55% |
| NOWServicenow, Inc | 4.48% | 0.18% | 4.30% |
| DVNDevon Energy Corporation | 4.12% | 0.08% | 4.04% |
| FANGDiamondback Energy, Inc. | 3.95% | 0.06% | 3.89% |
| HCAHca-the Healthcare Co | 3.51% | 0.10% | 3.41% |
| EXEExpand Energy Corp | 3.14% | 0.03% | 3.11% |
| VSTVistra Energy Corp. | 3.10% | 0.07% | 3.03% |
| GDGeneral Dynamics Corp. | 2.70% | 0.15% | 2.55% |
80.1% of TPFC is already inside VOO.
You probably hold more than these two. Add the rest and see how much of the whole book is the same companies twice.
Free for up to 10 holdings. No account needed.
Frequently Asked Questions
Which is cheaper, TPFC or VOO?
TPFC has an expense ratio of 0.59% while VOO charges 0.03%. VOO is the cheaper option, by $56 a year on a $10,000 investment.
What is the holdings overlap between TPFC and VOO?
80.1% of TPFC's money is in holdings VOO also owns. 2.4% of VOO's is in holdings TPFC also owns. They hold 37 positions in common, counted across the 50 positions we hold weights for in TPFC and 494 in VOO.
Which pays a higher dividend, TPFC or VOO?
TPFC yields 0.16% while VOO yields 1.04%, so VOO currently pays the higher dividend yield.
Is VOO better than TPFC?
VOO has a lower expense ratio. VOO is less concentrated, with 37.6% of the fund in its ten largest positions against 43.4%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.