TPIF vs VTI
Timothy Plan International ETF vs Vanguard Total Stock Market ETF
Quick Verdict
VTI has a lower expense ratio. VTI delivered stronger 1-year returns. VTI offers more diversification with 2783 holdings.
Side-by-Side Comparison
| Metric | TPIF | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.62% | 0.03% | |
| AUM | $251M | $663.5B | |
| Dividend Yield | 2.39% | 1.07% | |
| Holdings | 364 | 3,543 | |
| YTD Return | +12.82% | +14.22% | |
| 1Y Return | +21.20% | +22.19% | |
| 3Y Return (annualized) | +19.12% | +21.27% | |
| 5Y Return (annualized) | +8.22% | +12.23% | |
| Volatility (annualized) | 16.8% | 15.3% | |
| Max Drawdown | -34.1% | -56.6% | |
| Fund Family | Timothy Plan | Vanguard (US) | |
| Category | Equity | Equity | |
| Inception | Dec 2, 2019 | May 24, 2001 |
TPIF vs VTI Performance
Timothy Plan International ETF (TPIF) is a ETF from Timothy Plan and Vanguard Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year TPIF returned +21.20% while VTI returned +22.19%. Year to date, TPIF is up 12.82% versus a gain of 14.22% for VTI.
Over three years, TPIF compounded at +19.12% per year against +21.27% for VTI; over five years the annualized figures are +8.22% and +12.23% respectively. Across the full 7-year window we track, TPIF has the edge at +9.34% annualized vs +8.14%. 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 15.3% for VTI. 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 -56.6% for VTI. 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 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 2.39% against 1.07% for VTI.
Holdings Overlap
TPIF and VTI share 7 holdings out of 3126 unique holdings combined, representing a 0.2% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
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. On a $10,000 investment, that is $59 per year of difference.
Which performed better, TPIF or VTI?
Over the past year TPIF returned +21.20% vs +22.19% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (7 years), TPIF annualized +9.34% vs +8.14% for VTI. Past performance does not guarantee future results.
Which is riskier, TPIF or VTI?
TPIF has been the more volatile fund at 16.8% annualized versus 15.3% for VTI. Worst drawdown: TPIF -34.1% vs VTI -56.6%.
Should I hold both TPIF and VTI?
TPIF and VTI 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 VTI?
TPIF and VTI share 7 common holdings with a 0.2% weight overlap. Combined, they hold 3126 unique securities.
Which pays a higher dividend, TPIF or VTI?
TPIF yields 2.39% while VTI yields 1.07%, so TPIF currently pays the higher dividend yield.
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