TPFC vs VYM
Timothy Plan Free Cash Flow ETF vs Vanguard High Dividend Yield ETF
Which is better, TPFC or VYM?
Mid Cap Value against Large Cap Value.
VYM has a lower expense ratio. VYM is less concentrated, with 25.8% of the fund in its ten largest positions against 37.4%.
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 | VYM |
|---|---|---|
| Expense Ratio | 0.59% | 0.04%Best |
| AUM | $45M | $95.8B |
| Dividend Yield | 0.28% | 2.23% |
| Holdings | 151 | 610 |
| YTD Return | +15.99%Best | +15.95% |
| 1Y Return | - | +19.62% |
| 3Y Return (annualized) | - | +19.64% |
| 5Y Return (annualized) | - | +11.48% |
| Top 10 Weight | 37.4% | 25.8%Best |
| Fund Family | Timothy Plan | Vanguard (US) |
| Category | Equity | Equity |
| Style | Mid Cap Value | Large Cap Value |
| Inception | May 5, 2026 | Nov 10, 2006 |
Not shown on this pair: Volatility (annualized), Max Drawdown, $10,000 over the window.
TPFC vs VYM 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 VYM Performance
Timothy Plan Free Cash Flow ETF (TPFC) is an ETF from Timothy Plan and Vanguard High Dividend Yield ETF (VYM) is an ETF from Vanguard (US). Year to date, TPFC is up 15.99% versus a gain of 15.95% for VYM.
Past performance does not guarantee future results.
Fees and Cost Over Time
TPFC charges 0.59% per year while VYM charges 0.04%. On a $10,000 position that is $59 vs $4 annually, a gap of $55 per year that compounds over a long holding period. On income, TPFC currently yields 0.28% against 2.23% for VYM.
Holdings Overlap
59.8% of TPFC's money is in holdings VYM also owns. 5.6% of VYM's money is in holdings TPFC also owns.
The two portfolios partly overlap.
The two holdings books were reported 60 days apart, TPFC as of Oct 30, 2026 and VYM as of Aug 31, 2026, so some of the difference between them is the time between the two reports rather than the funds.
24 positions in common, counted across the 50 positions we hold weights for in TPFC and 602 in VYM, against full books of 151 and 610.
What only one of them owns
Our book lists 553 positions for VYM that do not appear in our book for TPFC (93.0% of the fund), and 25 for TPFC that do not appear in VYM (37.3%).
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 VYM | Difference |
|---|---|---|---|
| IBMInternational Business Machines Corp. | 4.46% | 0.89% | 3.57% |
| GDGeneral Dynamics Corp. | 4.05% | 0.38% | 3.67% |
| OMCOmnicom Group Inc. | 4.17% | 0.10% | 4.07% |
| CTSHCognizant Technology Solutions Corp. Class A | 4.09% | 0.12% | 3.97% |
| NEMNewmont Corp. | 3.62% | 0.54% | 3.08% |
| COPConocophillips Co | 3.42% | 0.65% | 2.77% |
| NXPINxp Semiconductors N.V. Common Stock | 3.51% | 0.23% | 3.28% |
| EOGEog Resources Inc | 3.32% | 0.31% | 3.01% |
| FANGDiamondback Energy Inc. | 3.30% | 0.15% | 3.15% |
| DVNDevon Energy Corp. | 3.18% | 0.22% | 2.96% |
59.8% of TPFC is already inside VYM.
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 VYM?
TPFC has an expense ratio of 0.59% while VYM charges 0.04%. VYM is the cheaper option, by $55 a year on a $10,000 investment.
What is the holdings overlap between TPFC and VYM?
59.8% of TPFC's money is in holdings VYM also owns. 5.6% of VYM's is in holdings TPFC also owns. They hold 24 positions in common, counted across the 50 positions we hold weights for in TPFC and 602 in VYM.
Which pays a higher dividend, TPFC or VYM?
TPFC yields 0.28% while VYM yields 2.23%, so VYM currently pays the higher dividend yield.
Is VYM better than TPFC?
VYM has a lower expense ratio. VYM is less concentrated, with 25.8% of the fund in its ten largest positions against 37.4%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.