TPLC vs VOO
Timothy Plan US Large/Mid Cap Core ETF vs Vanguard S&P 500 ETF
Quick Verdict
VOO has a lower expense ratio. VOO delivered stronger 1-year returns. VOO offers more diversification with 509 holdings.
Side-by-Side Comparison
| Metric | TPLC | VOO | Winner |
|---|---|---|---|
| Expense Ratio | 0.52% | 0.03% | |
| AUM | $318M | $997.4B | |
| Dividend Yield | 0.83% | 1.08% | |
| Holdings | 271 | 509 | |
| YTD Return | +12.40% | +13.49% | |
| 1Y Return | +12.23% | +20.64% | |
| 3Y Return (annualized) | +13.83% | +21.93% | |
| 5Y Return (annualized) | +7.92% | +12.95% | |
| Volatility (annualized) | 17.1% | 14.1% | |
| Max Drawdown | -38.1% | -34.3% | |
| Fund Family | Timothy Plan | Vanguard (US) | |
| Category | Equity | Equity | |
| Inception | May 5, 2019 | Sep 7, 2010 |
TPLC vs VOO Performance
Timothy Plan US Large/Mid Cap Core ETF (TPLC) is a ETF from Timothy Plan and Vanguard S&P 500 ETF (VOO) is a ETF from Vanguard (US). Over the past year TPLC returned +12.23% while VOO returned +20.64%. Year to date, TPLC is up 12.40% versus a gain of 13.49% for VOO.
Over three years, TPLC compounded at +13.83% per year against +21.93% for VOO; over five years the annualized figures are +7.92% and +12.95% respectively. Across the full 7-year window we track, VOO has the edge at +13.51% annualized vs +11.10%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
TPLC has been the more volatile fund, with annualized monthly volatility of 17.1% compared with 14.1% for VOO. 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 -38.1% for TPLC and -34.3% for VOO. 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 0.92. They move almost in lockstep, so holding both mostly duplicates the same exposure.
Fees and Cost Over Time
TPLC charges 0.52% per year while VOO charges 0.03%. On a $10,000 position that is $52 vs $3 annually, a gap of $49 per year that compounds over a long holding period. On income, TPLC currently yields 0.83% against 1.08% for VOO.
Holdings Overlap
TPLC and VOO share 198 holdings out of 575 unique holdings combined, representing a 17.0% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, TPLC or VOO?
TPLC has an expense ratio of 0.52% while VOO charges 0.03%. VOO is the cheaper option. On a $10,000 investment, that is $49 per year of difference.
Which performed better, TPLC or VOO?
Over the past year TPLC returned +12.23% vs +20.64% for VOO, so VOO leads on 1-year performance. Over the longest common window we track (7 years), TPLC annualized +11.10% vs +13.51% for VOO. Past performance does not guarantee future results.
Which is riskier, TPLC or VOO?
TPLC has been the more volatile fund at 17.1% annualized versus 14.1% for VOO. Worst drawdown: TPLC -38.1% vs VOO -34.3%.
Should I hold both TPLC and VOO?
TPLC and VOO have a monthly-return correlation of 0.92, 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 TPLC and VOO?
TPLC and VOO share 198 common holdings with a 17.0% weight overlap. Combined, they hold 575 unique securities.
Which pays a higher dividend, TPLC or VOO?
TPLC yields 0.83% while VOO yields 1.08%, so VOO currently pays the higher dividend yield.
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