TPHE vs VOO
Timothy Plan High Dividend Stock Enhanced ETF vs Vanguard S&P 500 ETF
Quick Verdict
VOO has a lower expense ratio. VOO delivered stronger 1-year returns. VOO offers more diversification with 505 holdings.
Side-by-Side Comparison
| Metric | TPHE | VOO | Winner |
|---|---|---|---|
| Expense Ratio | 0.52% | 0.03% | |
| AUM | $24M | $979.0B | |
| Dividend Yield | 2.23% | 1.09% | |
| Holdings | 100 | 509 | |
| YTD Return | +7.12% | +13.80% | |
| 1Y Return | +3.38% | +23.71% | |
| 3Y Return (annualized) | +6.16% | +21.50% | |
| 5Y Return (annualized) | - | +13.44% | |
| Volatility (annualized) | 14.0% | 14.1% | |
| Max Drawdown | -21.4% | -34.3% | |
| Fund Family | Timothy Plan | Vanguard (US) | |
| Category | Equity | Equity | |
| Inception | Jul 28, 2021 | Sep 7, 2010 |
TPHE vs VOO Performance
Timothy Plan High Dividend Stock Enhanced ETF (TPHE) is a ETF from Timothy Plan and Vanguard S&P 500 ETF (VOO) is a ETF from Vanguard (US). Over the past year TPHE returned +3.38% while VOO returned +23.71%. Year to date, TPHE is up 7.12% versus a gain of 13.80% for VOO.
Over three years, TPHE compounded at +6.16% per year against +21.50% for VOO. Across the full 4-year window we track, VOO has the edge at +13.58% annualized vs +3.14%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
VOO has been the more volatile fund, with annualized monthly volatility of 14.1% compared with 14.0% for TPHE. 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 -21.4% for TPHE and -34.3% for VOO. 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 0.79. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
TPHE charges 0.52% per year while VOO 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, TPHE currently yields 2.23% against 1.09% for VOO.
Frequently Asked Questions
Which is cheaper, TPHE or VOO?
TPHE has an expense ratio of 0.52% while VOO charges 0.03%. VOO is the cheaper option. On a $10,000 investment, that is $49 per year of difference.
Which performed better, TPHE or VOO?
Over the past year TPHE returned +3.38% vs +23.71% for VOO, so VOO leads on 1-year performance. Over the longest common window we track (4 years), TPHE annualized +3.14% vs +13.58% for VOO. Past performance does not guarantee future results.
Which is riskier, TPHE or VOO?
VOO has been the more volatile fund at 14.1% annualized versus 14.0% for TPHE. Worst drawdown: TPHE -21.4% vs VOO -34.3%.
Should I hold both TPHE and VOO?
TPHE and VOO have a monthly-return correlation of 0.79, so combining them can provide real diversification depending on your allocation goals.
Which pays a higher dividend, TPHE or VOO?
TPHE yields 2.23% while VOO yields 1.09%, so TPHE currently pays the higher dividend yield.
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