TPFI vs VYM
Timothy Plan Fixed Income ETF vs Vanguard High Dividend Yield ETF
Quick Verdict
VYM has a lower expense ratio. VYM offers more diversification with 616 holdings.
Side-by-Side Comparison
| Metric | TPFI | VYM | Winner |
|---|---|---|---|
| Expense Ratio | 0.55% | 0.04% | |
| AUM | $24M | $81.6B | |
| Dividend Yield | - | 2.24% | |
| Holdings | 333 | 616 | |
| YTD Return | -0.79% | +16.42% | |
| 1Y Return | - | +24.22% | |
| 3Y Return (annualized) | - | +19.03% | |
| 5Y Return (annualized) | - | +12.21% | |
| Volatility (annualized) | - | 14.6% | |
| Max Drawdown | -1.7% | -58.8% | |
| Fund Family | Timothy Plan | Vanguard (US) | |
| Category | Fixed Income | Equity | |
| Inception | May 5, 2026 | Nov 10, 2006 |
TPFI vs VYM Performance
Timothy Plan Fixed Income ETF (TPFI) is a ETF from Timothy Plan and Vanguard High Dividend Yield ETF (VYM) is a ETF from Vanguard (US). Year to date, TPFI is down 0.79% versus a gain of 16.42% for VYM.
Risk: Volatility and Drawdowns
The deepest peak-to-trough decline in our data was -1.7% for TPFI and -58.8% for VYM. 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 VYM charges 0.04%. On a $10,000 position that is $55 vs $4 annually, a gap of $51 per year that compounds over a long holding period.
Holdings Overlap
TPFI and VYM share 0 holdings out of 633 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 VYM?
TPFI has an expense ratio of 0.55% while VYM charges 0.04%. VYM is the cheaper option. On a $10,000 investment, that is $51 per year of difference.
What is the holdings overlap between TPFI and VYM?
TPFI and VYM share 0 common holdings with a 0.0% weight overlap. Combined, they hold 633 unique securities.
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