TPIF vs VXUS
Timothy Plan International ETF vs Vanguard Total International Stock ETF
Which is better, TPIF or VXUS?
Nearly the same fund. VXUS costs less.
VXUS has a lower expense ratio. VXUS led over 1Y, 3Y, 5Y and the full window. The two have moved almost in lockstep, correlation 0.97.
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 | VXUS |
|---|---|---|
| Expense Ratio | 0.62% | 0.05%Best |
| AUM | $266M | $164.9B |
| Dividend Yield | 2.63% | 2.51% |
| Holdings | 378 | 8,844 |
| YTD Return | +7.00% | +11.63%Best |
| 1Y Return | +13.27% | +17.78%Best |
| 3Y Return (annualized) | +18.54% | +19.91%Best |
| 5Y Return (annualized) | +8.36% | +9.30%Best |
| Volatility (annualized) | 16.7% | 16.4%Best |
| Max Drawdown | -34.1%Best | -35.1% |
| $10,000 over 5 years | $14,940 | $15,599Best |
| Fund Family | Timothy Plan | Vanguard (US) |
| Category | Equity | Equity |
| Style | Large Cap Blend | Large Cap Blend |
| Inception | Dec 2, 2019 | Jan 26, 2011 |
Not shown on this pair: Top 10 Weight.
Volatility and max drawdown are measured over the window both funds cover: Dec 3, 2019 to Oct 9, 2026 (6.9 years).
TPIF vs VXUS 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 6.9 years both funds cover.
TPIF vs VXUS Performance
Timothy Plan International ETF (TPIF) is an ETF from Timothy Plan and Vanguard Total International Stock ETF (VXUS) is an ETF from Vanguard (US). Over the past year TPIF returned +13.27% while VXUS returned +17.78%. Year to date, TPIF is up 7.00% versus a gain of 11.63% for VXUS.
Over three years, TPIF compounded at +18.54% per year against +19.91% for VXUS; over five years the annualized figures are +8.36% and +9.30% respectively. Across the full 7-year window we track, VXUS has the edge at +9.61% annualized vs +8.28%.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
TPIF has been the more volatile fund, with annualized monthly volatility of 16.7% compared with 16.4% for VXUS. 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 -35.1% for VXUS. Drawdown depth is what each fund did in the worst stretch of the window measured above.
The two funds' monthly returns correlate at 0.97. They move almost in lockstep, so holding both mostly duplicates the same exposure.
Fees and Cost Over Time
TPIF charges 0.62% per year while VXUS charges 0.05%. On a $10,000 position that is $62 vs $5 annually, a gap of $57 per year that compounds over a long holding period. On income, TPIF currently yields 2.63% against 2.51% for VXUS.
Holdings Overlap
At least 71.5% of TPIF's money is in holdings VXUS also owns.
Stated as a floor: for VXUS, our book for it covers 89.3% of that fund, so a holding it does not list is one we cannot count as shared. The real figure is this or higher.
Most of TPIF is already inside VXUS. Owning both mostly buys the same companies twice.
261 positions in common, counted across the 367 positions we hold weights for in TPIF and 8,082 in VXUS, against full books of 378 and 8,844.
Top Shared Holdings
| Stock | Weight in TPIF | Weight in VXUS | Difference |
|---|---|---|---|
| 000660:KRSk Hynix Inc Common Stock KRW 5000 | 0.22% | 1.41% | 1.19% |
| DBSM:SIDBS Group Holdings Ltd Dbs Group Holdings Ltd | 0.64% | 0.26% | 0.38% |
| IBE:MAIberdrola S.A. | 0.43% | 0.37% | 0.06% |
| 0002:HKClp Holdings Ltd | 0.74% | 0.04% | 0.70% |
| TTE:PATotal Fina Elf Holdings Usa, Inc. | 0.38% | 0.38% | 0.00% |
| CBA:AUCommonwealth Bank Of Australia | 0.27% | 0.47% | 0.20% |
| GWO:AQLGreat‑West Lifeco Inc. | 0.65% | 0.04% | 0.61% |
| BBVA:MABanco Bilbao Vizcaya Argentaria S.A. Reg Shs | 0.32% | 0.35% | 0.03% |
| RR:LNRolls-Royce Holdings PLC Ord Gbp0.20 | 0.28% | 0.38% | 0.10% |
| POW:CAPower Corp Of Canada Common Stock | 0.58% | 0.08% | 0.50% |
71.5% of TPIF is already inside VXUS.
You probably hold more than these two. Add the rest and see how much of the whole book is the same companies twice.
Free for up to 10 holdings. No account needed.
Frequently Asked Questions
Which is cheaper, TPIF or VXUS?
TPIF has an expense ratio of 0.62% while VXUS charges 0.05%. VXUS is the cheaper option, by $57 a year on a $10,000 investment.
Which performed better, TPIF or VXUS?
Over the past year TPIF returned +13.27% vs +17.78% for VXUS, so VXUS leads on 1-year performance. Over the longest common window we track (7 years), TPIF annualized +8.28% vs +9.61% for VXUS. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, TPIF or VXUS?
TPIF has been the more volatile fund at 16.7% annualized versus 16.4% for VXUS. Worst drawdown: TPIF -34.1% vs VXUS -35.1%.
Should I hold both TPIF and VXUS?
TPIF and VXUS have a monthly-return correlation of 0.97, so they move almost identically. What is left to separate them is the fee and the index each one tracks. This is information, not a recommendation.
What is the holdings overlap between TPIF and VXUS?
At least 71.5% of TPIF's money is in holdings VXUS also owns. Our book for VXUS is partial, so the real figure is this or higher. They hold 261 positions in common, counted across the 367 positions we hold weights for in TPIF and 8,082 in VXUS.
Which pays a higher dividend, TPIF or VXUS?
TPIF yields 2.63% while VXUS yields 2.51%, so TPIF currently pays the higher dividend yield.
Is VXUS better than TPIF?
VXUS has a lower expense ratio. VXUS led over 1Y, 3Y, 5Y and the full window. The two have moved almost in lockstep, correlation 0.97. Which one suits a particular account depends on what it is for. This is information, not a recommendation.