TPIF vs VTI
Timothy Plan International ETF vs Vanguard Morningstar Total Stock Market ETF
Which is better, TPIF or VTI?
Each has led over a different period.
VTI has a lower expense ratio. TPIF led over 1Y, VTI over 3Y, 5Y and the full window.
MarketXLS is not an investment adviser. This comparison is generated automatically from market data and is for information only. A Best mark means the better reading on that one measure, not a recommendation to buy.
Side-by-Side Comparison
| Metric | TPIF | VTI |
|---|---|---|
| Expense Ratio | 0.62% | 0.03%Best |
| AUM | $269M | $666.9B |
| Dividend Yield | 2.69% | 1.07% |
| Holdings | 378 | 3,543 |
| YTD Return | +13.02% | +13.59%Best |
| 1Y Return | +21.50%Best | +20.00% |
| 3Y Return (annualized) | +19.59% | +20.95%Best |
| 5Y Return (annualized) | +8.11% | +11.81%Best |
| Volatility (annualized) | 16.6%Best | 17.4% |
| Max Drawdown | -34.1%Best | -35.0% |
| $10,000 over 5 years | $14,768 | $17,474Best |
| Fund Family | Timothy Plan | Vanguard (US) |
| Category | Equity | Equity |
| Style | Large Cap Blend | Large Cap Blend |
| Inception | Dec 2, 2019 | May 24, 2001 |
Not shown on this pair: Top 10 Weight.
Volatility and max drawdown are measured over the window both funds cover: Dec 3, 2019 to Sep 4, 2026 (6.8 years).
TPIF vs VTI growth
Month-end closes. Both lines start at 0% in the first month shown, so the gap between them is the difference in growth across that window. The full view covers the 6.8 years both funds cover.
TPIF vs VTI Performance
Timothy Plan International ETF (TPIF) is an ETF from Timothy Plan and Vanguard Morningstar Total Stock Market ETF (VTI) is an ETF from Vanguard (US). Over the past year TPIF returned +21.50% while VTI returned +20.00%. Year to date, TPIF is up 13.02% versus a gain of 13.59% for VTI.
Over three years, TPIF compounded at +19.59% per year against +20.95% for VTI; over five years the annualized figures are +8.11% and +11.81% respectively. Across the full 7-year window we track, VTI has the edge at +15.20% annualized vs +9.28%.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 17.4% compared with 16.6% for TPIF. 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 -35.0% for VTI. Drawdown depth is what each fund did in the worst stretch of the window measured above.
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 VTI 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 2.69% against 1.07% for VTI.
Holdings Overlap
At least 1.2% of TPIF's money is in holdings VTI also owns.
Stated as a floor: for VTI, our book for it covers 92.3% of that fund, so a holding it does not list is one we cannot count as shared. The real figure is this or higher.
TPIF and VTI share little of their money.
The two holdings books were reported 49 days apart, TPIF as of Aug 18, 2026 and VTI as of Jun 30, 2026, so some of the difference between them is the time between the two reports rather than the funds.
5 positions in common, counted across the 367 positions we hold weights for in TPIF and 2,787 in VTI, against full books of 378 and 3,543.
You are not choosing between two funds in isolation.
Whichever of TPIF and VTI you pick has to sit alongside everything else you own. Add the rest and see what the combination actually holds.
Free for up to 10 holdings. No account needed.
Frequently Asked Questions
Which is cheaper, TPIF or VTI?
TPIF has an expense ratio of 0.62% while VTI charges 0.03%. VTI is the cheaper option, by $59 a year on a $10,000 investment.
Which performed better, TPIF or VTI?
Over the past year TPIF returned +21.50% vs +20.00% for VTI, so TPIF leads on 1-year performance. Over the longest common window we track (7 years), TPIF annualized +9.28% vs +15.20% for VTI. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, TPIF or VTI?
VTI has been the more volatile fund at 17.4% annualized versus 16.6% for TPIF. Worst drawdown: TPIF -34.1% vs VTI -35.0%.
Should I hold both TPIF and VTI?
TPIF and VTI have a monthly-return correlation of 0.83, so their returns are far enough apart for the mix to behave differently from either one alone. This is information, not a recommendation.
What is the holdings overlap between TPIF and VTI?
At least 1.2% of TPIF's money is in holdings VTI also owns. Our book for VTI is partial, so the real figure is this or higher. They hold 5 positions in common, counted across the 367 positions we hold weights for in TPIF and 2,787 in VTI.
Which pays a higher dividend, TPIF or VTI?
TPIF yields 2.69% while VTI yields 1.07%, so TPIF currently pays the higher dividend yield.
Is VTI better than TPIF?
VTI has a lower expense ratio. TPIF led over 1Y, VTI over 3Y, 5Y and the full window. Which one suits a particular account depends on what it is for. This is information, not a recommendation.