TPFI vs VTI
Timothy Plan Fixed Income 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 | TPFI | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.55% | 0.03% | |
| AUM | $24M | $666.9B | |
| Dividend Yield | - | 1.07% | |
| Holdings | 333 | 3,543 | |
| YTD Return | -0.79% | +14.82% | |
| 1Y Return | - | +22.43% | |
| 3Y Return (annualized) | - | +21.93% | |
| 5Y Return (annualized) | - | +12.34% | |
| Volatility (annualized) | - | 15.4% | |
| Max Drawdown | -1.7% | -56.6% | |
| Fund Family | Timothy Plan | Vanguard (US) | |
| Category | Fixed Income | Equity | |
| Inception | May 5, 2026 | May 24, 2001 |
TPFI vs VTI Performance
Timothy Plan Fixed Income ETF (TPFI) is a ETF from Timothy Plan and Vanguard Morningstar Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Year to date, TPFI is down 0.79% versus a gain of 14.82% for VTI.
Risk: Volatility and Drawdowns
The deepest peak-to-trough decline in our data was -1.7% for TPFI 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
TPFI charges 0.55% per year while VTI charges 0.03%. On a $10,000 position that is $55 vs $3 annually, a gap of $52 per year that compounds over a long holding period.
Holdings Overlap
TPFI and VTI share 0 holdings out of 2817 unique holdings combined, representing a 0.0% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, TPFI or VTI?
TPFI has an expense ratio of 0.55% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $52 per year of difference.
What is the holdings overlap between TPFI and VTI?
TPFI and VTI share 0 common holdings with a 0.0% weight overlap. Combined, they hold 2817 unique securities.
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