TPHE vs VYM
Timothy Plan High Dividend Stock Enhanced ETF vs Vanguard High Dividend Yield ETF
Quick Verdict
VYM has a lower expense ratio. VYM delivered stronger 1-year returns. VYM offers more diversification with 558 holdings.
Side-by-Side Comparison
| Metric | TPHE | VYM | Winner |
|---|---|---|---|
| Expense Ratio | 0.52% | 0.04% | |
| AUM | $24M | $79.0B | |
| Dividend Yield | 2.23% | 2.86% | |
| Holdings | 100 | 568 | |
| YTD Return | +7.12% | +15.80% | |
| 1Y Return | +3.38% | +26.12% | |
| 3Y Return (annualized) | +6.16% | +18.25% | |
| 5Y Return (annualized) | - | +12.51% | |
| Volatility (annualized) | 14.0% | 14.6% | |
| Max Drawdown | -21.4% | -58.8% | |
| Fund Family | Timothy Plan | Vanguard (US) | |
| Category | Equity | Equity | |
| Inception | Jul 28, 2021 | Nov 10, 2006 |
TPHE vs VYM Performance
Timothy Plan High Dividend Stock Enhanced ETF (TPHE) is a ETF from Timothy Plan and Vanguard High Dividend Yield ETF (VYM) is a ETF from Vanguard (US). Over the past year TPHE returned +3.38% while VYM returned +26.12%. Year to date, TPHE is up 7.12% versus a gain of 15.80% for VYM.
Over three years, TPHE compounded at +6.16% per year against +18.25% for VYM. Across the full 4-year window we track, VYM has the edge at +7.07% annualized vs +3.14%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
VYM has been the more volatile fund, with annualized monthly volatility of 14.6% 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 -58.8% for VYM. 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 0.91. They move almost in lockstep, so holding both mostly duplicates the same exposure.
Fees and Cost Over Time
TPHE charges 0.52% per year while VYM charges 0.04%. On a $10,000 position that is $52 vs $4 annually, a gap of $48 per year that compounds over a long holding period. On income, TPHE currently yields 2.23% against 2.86% for VYM.
Frequently Asked Questions
Which is cheaper, TPHE or VYM?
TPHE has an expense ratio of 0.52% while VYM charges 0.04%. VYM is the cheaper option. On a $10,000 investment, that is $48 per year of difference.
Which performed better, TPHE or VYM?
Over the past year TPHE returned +3.38% vs +26.12% for VYM, so VYM leads on 1-year performance. Over the longest common window we track (4 years), TPHE annualized +3.14% vs +7.07% for VYM. Past performance does not guarantee future results.
Which is riskier, TPHE or VYM?
VYM has been the more volatile fund at 14.6% annualized versus 14.0% for TPHE. Worst drawdown: TPHE -21.4% vs VYM -58.8%.
Should I hold both TPHE and VYM?
TPHE and VYM have a monthly-return correlation of 0.91, so they move almost identically. Holding both adds little diversification - most investors pick one, usually on fees or the specific index tracked.
Which pays a higher dividend, TPHE or VYM?
TPHE yields 2.23% while VYM yields 2.86%, so VYM currently pays the higher dividend yield.
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