TPHD vs VXUS
TPHD vs VXUS
Timothy Plan High Dividend Sock ETF vs Vanguard Total International Stock ETF
Quick Verdict
VXUS has a lower expense ratio. VXUS delivered stronger 1-year returns. VXUS offers more diversification with 7861 holdings.
Side-by-Side Comparison
| Metric | TPHD | VXUS | Winner |
|---|---|---|---|
| Expense Ratio | 0.52% | 0.05% | |
| AUM | $363M | $156.5B | |
| Dividend Yield | 1.97% | 2.60% | |
| Holdings | 101 | 8,747 | |
| YTD Return | +13.13% | +14.57% | |
| 1Y Return | +16.06% | +27.82% | |
| 3Y Return (annualized) | +12.74% | +19.27% | |
| 5Y Return (annualized) | +9.63% | +9.28% | |
| Volatility (annualized) | 16.8% | 15.1% | |
| Max Drawdown | -42.0% | -39.9% | |
| Fund Family | Timothy Plan | Vanguard (US) | |
| Category | Equity | Equity | |
| Inception | May 5, 2019 | Jan 26, 2011 |
TPHD vs VXUS Performance
Timothy Plan High Dividend Sock ETF (TPHD) is a ETF from Timothy Plan and Vanguard Total International Stock ETF (VXUS) is a ETF from Vanguard (US). Over the past year TPHD returned +16.06% while VXUS returned +27.82%. Year to date, TPHD is up 13.13% versus a gain of 14.57% for VXUS.
Over three years, TPHD compounded at +12.74% per year against +19.27% for VXUS; over five years the annualized figures are +9.63% and +9.28% respectively. Across the full 7-year window we track, TPHD has the edge at +9.80% annualized vs +4.86%. 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 15.1% for VXUS. 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 -39.9% for VXUS. 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 0.82. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
TPHD charges 0.52% per year while VXUS charges 0.05%. On a $10,000 position that is $52 vs $5 annually, a gap of $47 per year that compounds over a long holding period. On income, TPHD currently yields 1.97% against 2.60% for VXUS.
Holdings Overlap
TPHD and VXUS share 1 holdings out of 7960 unique holdings combined, representing a 0.0% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Top Shared Holdings
| Stock | Weight in TPHD | Weight in VXUS | Difference |
|---|---|---|---|
| BG | 1.29% | 0.03% | 1.26% |
Frequently Asked Questions
Which is cheaper, TPHD or VXUS?
TPHD has an expense ratio of 0.52% while VXUS charges 0.05%. VXUS is the cheaper option. On a $10,000 investment, that is $47 per year of difference.
Which performed better, TPHD or VXUS?
Over the past year TPHD returned +16.06% vs +27.82% for VXUS, so VXUS leads on 1-year performance. Over the longest common window we track (7 years), TPHD annualized +9.80% vs +4.86% for VXUS. Past performance does not guarantee future results.
Which is riskier, TPHD or VXUS?
TPHD has been the more volatile fund at 16.8% annualized versus 15.1% for VXUS. Worst drawdown: TPHD -42.0% vs VXUS -39.9%.
Should I hold both TPHD and VXUS?
TPHD and VXUS have a monthly-return correlation of 0.82, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between TPHD and VXUS?
TPHD and VXUS share 1 common holdings with a 0.0% weight overlap. Combined, they hold 7960 unique securities.
Which pays a higher dividend, TPHD or VXUS?
TPHD yields 1.97% while VXUS yields 2.60%, so VXUS currently pays the higher dividend yield.
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