TPIF vs VOO
Timothy Plan International 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 | TPIF | VOO | Winner |
|---|---|---|---|
| Expense Ratio | 0.62% | 0.03% | |
| AUM | $251M | $979.0B | |
| Dividend Yield | 2.39% | 1.09% | |
| Holdings | 364 | 509 | |
| YTD Return | +12.37% | +13.44% | |
| 1Y Return | +21.83% | +22.62% | |
| 3Y Return (annualized) | +18.98% | +21.47% | |
| 5Y Return (annualized) | +8.11% | +13.27% | |
| Volatility (annualized) | 16.8% | 14.1% | |
| Max Drawdown | -34.1% | -34.3% | |
| Fund Family | Timothy Plan | Vanguard (US) | |
| Category | Equity | Equity | |
| Inception | Dec 2, 2019 | Sep 7, 2010 |
TPIF vs VOO Performance
Timothy Plan International ETF (TPIF) is a ETF from Timothy Plan and Vanguard S&P 500 ETF (VOO) is a ETF from Vanguard (US). Over the past year TPIF returned +21.83% while VOO returned +22.62%. Year to date, TPIF is up 12.37% versus a gain of 13.44% for VOO.
Over three years, TPIF compounded at +18.98% per year against +21.47% for VOO; over five years the annualized figures are +8.11% and +13.27% respectively. Across the full 7-year window we track, VOO has the edge at +13.55% annualized vs +9.28%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
TPIF has been the more volatile fund, with annualized monthly volatility of 16.8% compared with 14.1% for VOO. 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 -34.1% for TPIF 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 0.83. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
TPIF charges 0.62% per year while VOO charges 0.03%. On a $10,000 position that is $62 vs $3 annually, a gap of $59 per year that compounds over a long holding period. On income, TPIF currently yields 2.39% against 1.09% for VOO.
Holdings Overlap
Frequently Asked Questions
Which is cheaper, TPIF or VOO?
TPIF has an expense ratio of 0.62% while VOO charges 0.03%. VOO is the cheaper option. On a $10,000 investment, that is $59 per year of difference.
Which performed better, TPIF or VOO?
Over the past year TPIF returned +21.83% vs +22.62% for VOO, so VOO leads on 1-year performance. Over the longest common window we track (7 years), TPIF annualized +9.28% vs +13.55% for VOO. Past performance does not guarantee future results.
Which is riskier, TPIF or VOO?
TPIF has been the more volatile fund at 16.8% annualized versus 14.1% for VOO. Worst drawdown: TPIF -34.1% vs VOO -34.3%.
Should I hold both TPIF and VOO?
TPIF and VOO have a monthly-return correlation of 0.83, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between TPIF and VOO?
TPIF and VOO share 2 common holdings with a 0.0% weight overlap. Combined, they hold 853 unique securities.
Which pays a higher dividend, TPIF or VOO?
TPIF yields 2.39% while VOO yields 1.09%, so TPIF currently pays the higher dividend yield.
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