TPFC vs VTI
Timothy Plan Free Cash Flow ETF vs Vanguard Morningstar Total Stock Market ETF
Quick Verdict
VTI has a lower expense ratio. VTI offers more diversification with 3,543 holdings.
Side-by-Side Comparison
| Metric | TPFC | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.59% | 0.03% | |
| AUM | $42M | $666.9B | |
| Dividend Yield | - | 1.07% | |
| Holdings | 51 | 3,543 | |
| YTD Return | +15.24% | +13.86% | |
| 1Y Return | - | +20.74% | |
| 3Y Return (annualized) | - | +21.66% | |
| 5Y Return (annualized) | - | +11.90% | |
| Volatility (annualized) | - | 15.3% | |
| Max Drawdown | -5.8% | -56.6% | |
| Fund Family | Timothy Plan | Vanguard (US) | |
| Category | Equity | Equity | |
| Inception | May 5, 2026 | May 24, 2001 |
TPFC vs VTI Performance
Timothy Plan Free Cash Flow ETF (TPFC) is a ETF from Timothy Plan and Vanguard Morningstar Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Year to date, TPFC is up 15.24% versus a gain of 13.86% for VTI.
Risk: Volatility and Drawdowns
The deepest peak-to-trough decline in our data was -5.8% for TPFC and -56.6% for VTI. Drawdown depth is worth weighing if you expect to sell during market stress rather than ride it out.
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.
Holdings Overlap
TPFC and VTI share 43 holdings out of 2794 unique holdings combined, representing a 2.0% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
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. On a $10,000 investment, that is $56 per year of difference.
What is the holdings overlap between TPFC and VTI?
TPFC and VTI share 43 common holdings with a 2.0% weight overlap. Combined, they hold 2794 unique securities.
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