TPHD vs VTI
Timothy Plan High Dividend Sock ETF vs Vanguard Total Stock Market ETF
Quick Verdict
VTI has a lower expense ratio. VTI delivered stronger 1-year returns. VTI offers more diversification with 2783 holdings.
Side-by-Side Comparison
| Metric | TPHD | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.52% | 0.03% | |
| AUM | $363M | $663.5B | |
| Dividend Yield | 1.97% | 1.07% | |
| Holdings | 101 | 3,543 | |
| YTD Return | +13.42% | +13.87% | |
| 1Y Return | +16.94% | +23.31% | |
| 3Y Return (annualized) | +13.04% | +21.17% | |
| 5Y Return (annualized) | +9.33% | +12.23% | |
| Volatility (annualized) | 16.8% | 15.3% | |
| Max Drawdown | -42.0% | -56.6% | |
| Fund Family | Timothy Plan | Vanguard (US) | |
| Category | Equity | Equity | |
| Inception | May 5, 2019 | May 24, 2001 |
TPHD vs VTI Performance
Timothy Plan High Dividend Sock ETF (TPHD) is a ETF from Timothy Plan and Vanguard Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year TPHD returned +16.94% while VTI returned +23.31%. Year to date, TPHD is up 13.42% versus a gain of 13.87% for VTI.
Over three years, TPHD compounded at +13.04% per year against +21.17% for VTI; over five years the annualized figures are +9.33% and +12.23% respectively. Across the full 7-year window we track, TPHD has the edge at +9.83% annualized vs +8.13%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
TPHD has been the more volatile fund, with annualized monthly volatility of 16.8% compared with 15.3% for VTI. Lower volatility generally means a smoother ride, though it often comes with lower long-run returns.
The deepest peak-to-trough decline in our data was -42.0% for TPHD and -56.6% for VTI. Drawdown depth is worth weighing if you expect to sell during market stress rather than ride it out.
The two funds' monthly returns correlate at 0.84. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
TPHD charges 0.52% per year while VTI charges 0.03%. On a $10,000 position that is $52 vs $3 annually, a gap of $49 per year that compounds over a long holding period. On income, TPHD currently yields 1.97% against 1.07% for VTI.
Holdings Overlap
TPHD and VTI share 86 holdings out of 2797 unique holdings combined, representing a 6.0% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, TPHD or VTI?
TPHD has an expense ratio of 0.52% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $49 per year of difference.
Which performed better, TPHD or VTI?
Over the past year TPHD returned +16.94% vs +23.31% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (7 years), TPHD annualized +9.83% vs +8.13% for VTI. Past performance does not guarantee future results.
Which is riskier, TPHD or VTI?
TPHD has been the more volatile fund at 16.8% annualized versus 15.3% for VTI. Worst drawdown: TPHD -42.0% vs VTI -56.6%.
Should I hold both TPHD and VTI?
TPHD and VTI have a monthly-return correlation of 0.84, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between TPHD and VTI?
TPHD and VTI share 86 common holdings with a 6.0% weight overlap. Combined, they hold 2797 unique securities.
Which pays a higher dividend, TPHD or VTI?
TPHD yields 1.97% while VTI yields 1.07%, so TPHD currently pays the higher dividend yield.
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