TPIF vs VYM
Timothy Plan International ETF vs Vanguard High Dividend Yield ETF
Quick Verdict
VYM has a lower expense ratio. TPIF delivered stronger 1-year returns. VYM offers more diversification with 613 holdings.
Side-by-Side Comparison
| Metric | TPIF | VYM | Winner |
|---|---|---|---|
| Expense Ratio | 0.62% | 0.04% | |
| AUM | $269M | $81.6B | |
| Dividend Yield | 2.69% | 2.24% | |
| Holdings | 378 | 613 | |
| YTD Return | +12.42% | +14.57% | |
| 1Y Return | +22.00% | +21.08% | |
| 3Y Return (annualized) | +19.04% | +18.16% | |
| 5Y Return (annualized) | +8.22% | +12.00% | |
| Volatility (annualized) | 16.8% | 14.6% | |
| Max Drawdown | -34.1% | -58.8% | |
| Fund Family | Timothy Plan | Vanguard (US) | |
| Category | Equity | Equity | |
| Inception | Dec 2, 2019 | Nov 10, 2006 |
TPIF vs VYM Performance
Timothy Plan International ETF (TPIF) is a ETF from Timothy Plan and Vanguard High Dividend Yield ETF (VYM) is a ETF from Vanguard (US). Over the past year TPIF returned +22.00% while VYM returned +21.08%. Year to date, TPIF is up 12.42% versus a gain of 14.57% for VYM.
Over three years, TPIF compounded at +19.04% per year against +18.16% for VYM; over five years the annualized figures are +8.22% and +12.00% respectively. Across the full 7-year window we track, TPIF has the edge at +9.21% annualized vs +6.99%. 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 14.6% for VYM. 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 -58.8% for VYM. 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 0.85. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
TPIF charges 0.62% per year while VYM charges 0.04%. On a $10,000 position that is $62 vs $4 annually, a gap of $58 per year that compounds over a long holding period. On income, TPIF currently yields 2.69% against 2.24% for VYM.
Holdings Overlap
Frequently Asked Questions
Which is cheaper, TPIF or VYM?
TPIF has an expense ratio of 0.62% while VYM charges 0.04%. VYM is the cheaper option. On a $10,000 investment, that is $58 per year of difference.
Which performed better, TPIF or VYM?
Over the past year TPIF returned +22.00% vs +21.08% for VYM, so TPIF leads on 1-year performance. Over the longest common window we track (7 years), TPIF annualized +9.21% vs +6.99% for VYM. Past performance does not guarantee future results.
Which is riskier, TPIF or VYM?
TPIF has been the more volatile fund at 16.8% annualized versus 14.6% for VYM. Worst drawdown: TPIF -34.1% vs VYM -58.8%.
Should I hold both TPIF and VYM?
TPIF and VYM have a monthly-return correlation of 0.85, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between TPIF and VYM?
TPIF and VYM share 2 common holdings with a 0.0% weight overlap. Combined, they hold 968 unique securities.
Which pays a higher dividend, TPIF or VYM?
TPIF yields 2.69% while VYM yields 2.24%, so TPIF currently pays the higher dividend yield.
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