TPIF vs VXUS
Timothy Plan International ETF vs Vanguard Total International Stock ETF
Quick Verdict
VXUS has a lower expense ratio. VXUS delivered stronger 1-year returns. VXUS offers more diversification with 8,747 holdings.
Side-by-Side Comparison
| Metric | TPIF | VXUS | Winner |
|---|---|---|---|
| Expense Ratio | 0.62% | 0.05% | |
| AUM | $265M | $158.1B | |
| Dividend Yield | 2.69% | 2.59% | |
| Holdings | 364 | 8,747 | |
| YTD Return | +13.21% | +15.52% | |
| 1Y Return | +21.59% | +26.73% | |
| 3Y Return (annualized) | +19.77% | +20.35% | |
| 5Y Return (annualized) | +8.40% | +9.40% | |
| Volatility (annualized) | 16.8% | 15.1% | |
| Max Drawdown | -34.1% | -39.9% | |
| Fund Family | Timothy Plan | Vanguard (US) | |
| Category | Equity | Equity | |
| Inception | Dec 2, 2019 | Jan 26, 2011 |
TPIF vs VXUS Performance
Timothy Plan International ETF (TPIF) is a ETF from Timothy Plan and Vanguard Total International Stock ETF (VXUS) is a ETF from Vanguard (US). Over the past year TPIF returned +21.59% while VXUS returned +26.73%. Year to date, TPIF is up 13.21% versus a gain of 15.52% for VXUS.
Over three years, TPIF compounded at +19.77% per year against +20.35% for VXUS; over five years the annualized figures are +8.40% and +9.40% respectively. Across the full 7-year window we track, TPIF has the edge at +9.34% annualized vs +4.90%. 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 15.1% 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 -39.9% for VXUS. 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 0.97. 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 2.69% against 2.59% for VXUS.
Holdings Overlap
TPIF and VXUS share 268 holdings out of 7969 unique holdings combined, representing a 20.4% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
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. On a $10,000 investment, that is $57 per year of difference.
Which performed better, TPIF or VXUS?
Over the past year TPIF returned +21.59% vs +26.73% for VXUS, so VXUS leads on 1-year performance. Over the longest common window we track (7 years), TPIF annualized +9.34% vs +4.90% for VXUS. Past performance does not guarantee future results.
Which is riskier, TPIF or VXUS?
TPIF has been the more volatile fund at 16.8% annualized versus 15.1% for VXUS. Worst drawdown: TPIF -34.1% vs VXUS -39.9%.
Should I hold both TPIF and VXUS?
TPIF and VXUS have a monthly-return correlation of 0.97, so they move almost identically. Holding both adds little diversification - most investors pick one, usually on fees or the specific index tracked.
What is the holdings overlap between TPIF and VXUS?
TPIF and VXUS share 268 common holdings with a 20.4% weight overlap. Combined, they hold 7969 unique securities.
Which pays a higher dividend, TPIF or VXUS?
TPIF yields 2.69% while VXUS yields 2.59%, so TPIF currently pays the higher dividend yield.
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