TPIF vs VTI
Timothy Plan International ETF vs Vanguard Morningstar Total Stock Market ETF
Which is better, TPIF or VTI?
VTI has been ahead.
VTI has a lower expense ratio. VTI led over 1Y, 3Y, 5Y and the full window. TPIF is less concentrated, with 6.0% of the fund in its ten largest positions against 33.3%.
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 | 2.63% | 1.03% |
| Holdings | 378 | 3,543 |
| YTD Return | +9.95% | +13.60%Best |
| 1Y Return | +18.06% | +18.17%Best |
| 3Y Return (annualized) | +19.76% | +23.04%Best |
| 5Y Return (annualized) | +8.19% | +12.14%Best |
| Volatility (annualized) | 16.7%Best | 17.4% |
| Max Drawdown | -34.1%Best | -35.0% |
| $10,000 over 5 years | $14,823 | $17,734Best |
| Top 10 Weight | 6.0%Best | 33.3% |
| Fund Family | Timothy Plan | Vanguard (US) |
| Category | Equity | Equity |
| Style | Large Cap Blend | Large Cap Blend |
| Inception | Dec 2, 2019 | May 24, 2001 |
Volatility and max drawdown are measured over the window both funds cover: Dec 3, 2019 to Sep 25, 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 +18.06% while VTI returned +18.17%. Year to date, TPIF is up 9.95% versus a gain of 13.60% for VTI.
Over three years, TPIF compounded at +19.76% per year against +23.04% for VTI; over five years the annualized figures are +8.19% and +12.14% respectively. Across the full 7-year window we track, VTI has the edge at +15.06% annualized vs +8.76%.
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 16.7% 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 2.63% against 1.03% for VTI.
Holdings Overlap
1.2% of TPIF's money is in holdings VTI also owns. 0.1% of VTI's money is in holdings TPIF also owns.
TPIF and VTI share little of their money.
4 positions in common, counted across the 367 positions we hold weights for in TPIF and 3,463 in VTI, against full books of 378 and 3,543.
What only one of them owns
Our book lists 1,149 positions for VTI that do not appear in our book for TPIF (97.4% of the fund), and 2 for TPIF that do not appear in VTI (0.8%).
Some of those will be the same company recorded under a different code in one of the two books, so the real difference in what you would own is no larger than this and may be smaller. We do not name the individual positions here for that reason.
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 +18.06% vs +18.17% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (7 years), TPIF annualized +8.76% vs +15.06% 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 16.7% 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?
1.2% of TPIF's money is in holdings VTI also owns. 0.1% of VTI's is in holdings TPIF also owns. They hold 4 positions in common, counted across the 367 positions we hold weights for in TPIF and 3,463 in VTI.
Which pays a higher dividend, TPIF or VTI?
TPIF yields 2.63% while VTI yields 1.03%, so TPIF currently pays the higher dividend yield.
Is VTI better than TPIF?
VTI has a lower expense ratio. VTI led over 1Y, 3Y, 5Y and the full window. TPIF is less concentrated, with 6.0% of the fund in its ten largest positions against 33.3%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.