TPLC vs VOO
Timothy Plan US Large/Mid Cap Core ETF vs Vanguard S&P 500 ETF
Which is better, TPLC or VOO?
Mid Cap Blend against Large Cap Blend.
VOO has a lower expense ratio. VOO led over 1Y, 3Y, 5Y and the full window. The two have moved almost in lockstep, correlation 0.92. TPLC is less concentrated, with 6.5% of the fund in its ten largest positions against 37.6%.
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 | TPLC | VOO |
|---|---|---|
| Expense Ratio | 0.52% | 0.03%Best |
| AUM | $311M | $997.4B |
| Dividend Yield | 0.82% | 1.04% |
| Holdings | 271 | 509 |
| YTD Return | +7.29% | +11.01%Best |
| 1Y Return | +7.72% | +15.60%Best |
| 3Y Return (annualized) | +12.29% | +20.82%Best |
| 5Y Return (annualized) | +7.23% | +12.60%Best |
| Volatility (annualized) | 17.1% | 16.4%Best |
| Max Drawdown | -38.1% | -34.3%Best |
| $10,000 over 5 years | $14,177 | $18,101Best |
| Top 10 Weight | 6.5%Best | 37.6% |
| Fund Family | Timothy Plan | Vanguard (US) |
| Category | Equity | Equity |
| Style | Mid Cap Blend | Large Cap Blend |
| Inception | May 5, 2019 | Sep 7, 2010 |
Volatility and max drawdown are measured over the window both funds cover: May 1, 2019 to Sep 16, 2026 (7.4 years).
TPLC vs VOO 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 7.4 years both funds cover.
TPLC vs VOO Performance
Timothy Plan US Large/Mid Cap Core ETF (TPLC) is an ETF from Timothy Plan and Vanguard S&P 500 ETF (VOO) is an ETF from Vanguard (US). Over the past year TPLC returned +7.72% while VOO returned +15.60%. Year to date, TPLC is up 7.29% versus a gain of 11.01% for VOO.
Over three years, TPLC compounded at +12.29% per year against +20.82% for VOO; over five years the annualized figures are +7.23% and +12.60% respectively. Across the full 7-year window we track, VOO has the edge at +14.95% annualized vs +10.32%.
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 16.4% 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 what each fund did in the worst stretch of the window measured above.
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 0.82% against 1.04% for VOO.
Holdings Overlap
76.1% of TPLC's money is in holdings VOO also owns. 20.7% of VOO's money is in holdings TPLC also owns.
Most of TPLC is already inside VOO. Owning both mostly buys the same companies twice.
196 positions in common, counted across the 268 positions we hold weights for in TPLC and 494 in VOO, against full books of 271 and 509.
What only one of them owns
Our book lists 294 positions for VOO that do not appear in our book for TPLC (78.6% of the fund), and 67 for TPLC that do not appear in VOO (21.7%).
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.
Top Shared Holdings
| Stock | Weight in TPLC | Weight in VOO | Difference |
|---|---|---|---|
| AVGOBroadcom Inc | 0.25% | 2.86% | 2.61% |
| COSTCostco Wholesale Corp. | 0.53% | 0.66% | 0.13% |
| PANWPalo Alto Networks, Inc | 0.63% | 0.42% | 0.21% |
| CATCaterpillar, Inc. | 0.32% | 0.58% | 0.26% |
| UNPUnion Pacific Corp | 0.62% | 0.27% | 0.35% |
| SOSouthern Co. | 0.61% | 0.17% | 0.44% |
| AFLAflac Inc. | 0.65% | 0.09% | 0.56% |
| CTASCintas Corp. | 0.63% | 0.11% | 0.52% |
| EVRGEvergy Inc. | 0.69% | 0.03% | 0.66% |
| WECWec Energy Group Inc. | 0.66% | 0.06% | 0.60% |
76.1% of TPLC is already inside VOO.
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, TPLC or VOO?
TPLC has an expense ratio of 0.52% while VOO charges 0.03%. VOO is the cheaper option, by $49 a year on a $10,000 investment.
Which performed better, TPLC or VOO?
Over the past year TPLC returned +7.72% vs +15.60% for VOO, so VOO leads on 1-year performance. Over the longest common window we track (7 years), TPLC annualized +10.32% vs +14.95% for VOO. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, TPLC or VOO?
TPLC has been the more volatile fund at 17.1% annualized versus 16.4% 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. 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 TPLC and VOO?
76.1% of TPLC's money is in holdings VOO also owns. 20.7% of VOO's is in holdings TPLC also owns. They hold 196 positions in common, counted across the 268 positions we hold weights for in TPLC and 494 in VOO.
Which pays a higher dividend, TPLC or VOO?
TPLC yields 0.82% while VOO yields 1.04%, so VOO currently pays the higher dividend yield.
Is VOO better than TPLC?
VOO has a lower expense ratio. VOO led over 1Y, 3Y, 5Y and the full window. The two have moved almost in lockstep, correlation 0.92. TPLC is less concentrated, with 6.5% of the fund in its ten largest positions against 37.6%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.