TPFC vs VTI
Timothy Plan Free Cash Flow ETF vs Vanguard Morningstar Total Stock Market ETF
Which is better, TPFC or VTI?
Mid Cap Value against Large Cap Blend.
VTI has a lower expense ratio. VTI is less concentrated, with 33.3% 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 | VTI |
|---|---|---|
| Expense Ratio | 0.59% | 0.03%Best |
| AUM | $43M | $666.9B |
| Dividend Yield | 0.16% | 1.03% |
| Holdings | 51 | 3,543 |
| YTD Return | +11.34%Best | +11.06% |
| 1Y Return | - | +15.41% |
| 3Y Return (annualized) | - | +20.48% |
| 5Y Return (annualized) | - | +11.52% |
| Top 10 Weight | 43.4% | 33.3%Best |
| Fund Family | Timothy Plan | Vanguard (US) |
| Category | Equity | Equity |
| Style | Mid Cap Value | Large Cap Blend |
| Inception | May 5, 2026 | May 24, 2001 |
Not shown on this pair: Volatility (annualized), Max Drawdown, $10,000 over the window.
TPFC vs VTI 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 VTI Performance
Timothy Plan Free Cash Flow ETF (TPFC) is an ETF from Timothy Plan and Vanguard Morningstar Total Stock Market ETF (VTI) is an ETF from Vanguard (US). Year to date, TPFC is up 11.34% versus a gain of 11.06% for VTI.
Past performance does not guarantee future results.
Fees and Cost Over Time
TPFC charges 0.59% per year while VTI 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 1.03% for VTI.
Holdings Overlap
96.6% of TPFC's money is in holdings VTI also owns. 2.3% of VTI's money is in holdings TPFC also owns.
Most of TPFC is already inside VTI. Owning both mostly buys the same companies twice.
47 positions in common, counted across the 50 positions we hold weights for in TPFC and 3,463 in VTI, against full books of 51 and 3,543.
What only one of them owns
Our book lists 1,104 positions for VTI that do not appear in our book for TPFC (95.2% of the fund), and 1 for TPFC that do not appear in VTI (1.6%).
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 VTI | Difference |
|---|---|---|---|
| CTSHCognizant Technology Solutions Corp. Class A | 5.21% | 0.04% | 5.17% |
| PSXPhillips 66 | 4.77% | 0.12% | 4.65% |
| NEMNewmont Corp Common | 4.71% | 0.14% | 4.57% |
| CDECoeur Mining Inc | 4.77% | 0.02% | 4.75% |
| NOWServicenow, Inc | 4.48% | 0.16% | 4.32% |
| THCTenet Healthcare Corp Common Stock Usd 0.05 | 4.46% | 0.03% | 4.43% |
| DVNDevon Energy Corporation | 4.12% | 0.07% | 4.05% |
| FANGDiamondback Energy, Inc. | 3.95% | 0.06% | 3.89% |
| HCAHca-the Healthcare Co | 3.51% | 0.09% | 3.42% |
| PRPermian Resource | 3.39% | 0.02% | 3.37% |
96.6% of TPFC is already inside VTI.
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 VTI?
TPFC has an expense ratio of 0.59% while VTI charges 0.03%. VTI is the cheaper option, by $56 a year on a $10,000 investment.
What is the holdings overlap between TPFC and VTI?
96.6% of TPFC's money is in holdings VTI also owns. 2.3% of VTI's is in holdings TPFC also owns. They hold 47 positions in common, counted across the 50 positions we hold weights for in TPFC and 3,463 in VTI.
Which pays a higher dividend, TPFC or VTI?
TPFC yields 0.16% while VTI yields 1.03%, so VTI currently pays the higher dividend yield.
Is VTI better than TPFC?
VTI has a lower expense ratio. VTI is less concentrated, with 33.3% 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.