TPLC vs VYM
Timothy Plan US Large/Mid Cap Core ETF vs Vanguard High Dividend Yield ETF
Which is better, TPLC or VYM?
Mid Cap Blend against Large Cap Value.
VYM has a lower expense ratio. VYM led over 1Y, 3Y, 5Y and the full window. The two have moved almost in lockstep, correlation 0.93. TPLC is less concentrated, with 6.5% of the fund in its ten largest positions against 26.1%.
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 | VYM |
|---|---|---|
| Expense Ratio | 0.52% | 0.04%Best |
| AUM | $311M | $81.6B |
| Dividend Yield | 0.82% | 2.22% |
| Holdings | 271 | 613 |
| YTD Return | +7.29% | +11.71%Best |
| 1Y Return | +7.72% | +16.24%Best |
| 3Y Return (annualized) | +12.29% | +17.24%Best |
| 5Y Return (annualized) | +7.23% | +11.86%Best |
| Volatility (annualized) | 17.1% | 15.2%Best |
| Max Drawdown | -38.1% | -35.7%Best |
| $10,000 over 5 years | $14,177 | $17,514Best |
| Top 10 Weight | 6.5%Best | 26.1% |
| Fund Family | Timothy Plan | Vanguard (US) |
| Category | Equity | Equity |
| Style | Mid Cap Blend | Large Cap Value |
| Inception | May 5, 2019 | Nov 10, 2006 |
Volatility and max drawdown are measured over the window both funds cover: May 1, 2019 to Sep 16, 2026 (7.4 years).
TPLC vs VYM 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 VYM Performance
Timothy Plan US Large/Mid Cap Core ETF (TPLC) is an ETF from Timothy Plan and Vanguard High Dividend Yield ETF (VYM) is an ETF from Vanguard (US). Over the past year TPLC returned +7.72% while VYM returned +16.24%. Year to date, TPLC is up 7.29% versus a gain of 11.71% for VYM.
Over three years, TPLC compounded at +12.29% per year against +17.24% for VYM; over five years the annualized figures are +7.23% and +11.86% respectively. Across the full 7-year window we track, VYM has the edge at +10.91% 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 15.2% 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 -38.1% for TPLC and -35.7% for VYM. Drawdown depth is what each fund did in the worst stretch of the window measured above.
The two funds' monthly returns correlate at 0.93. 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 VYM charges 0.04%. On a $10,000 position that is $52 vs $4 annually, a gap of $48 per year that compounds over a long holding period. On income, TPLC currently yields 0.82% against 2.22% for VYM.
Holdings Overlap
45.1% of TPLC's money is in holdings VYM also owns. 26.5% of VYM's money is in holdings TPLC also owns.
The two portfolios partly overlap.
103 positions in common, counted across the 268 positions we hold weights for in TPLC and 557 in VYM, against full books of 271 and 613.
What only one of them owns
Our book lists 427 positions for VYM that do not appear in our book for TPLC (71.0% of the fund), and 159 for TPLC that do not appear in VYM (52.2%).
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 VYM | Difference |
|---|---|---|---|
| AVGOBroadcom Inc | 0.25% | 7.35% | 7.10% |
| CATCaterpillar, Inc. | 0.32% | 1.50% | 1.18% |
| UNPUnion Pacific Corp | 0.62% | 0.70% | 0.08% |
| NEENextera Energy Inc | 0.44% | 0.74% | 0.30% |
| ADIAnalog Devices, Inc. | 0.37% | 0.73% | 0.36% |
| SOSouthern Co. | 0.61% | 0.43% | 0.18% |
| COPConocophillips Common Stock USD 0.01 | 0.43% | 0.60% | 0.17% |
| PGRProgressive Corporation | 0.51% | 0.50% | 0.01% |
| GDGeneral Dynamics Corp. | 0.56% | 0.40% | 0.16% |
| PSXPhillips 66 | 0.59% | 0.34% | 0.25% |
45.1% of TPLC is already inside VYM.
You probably hold more than these two. Add the rest and see how much of the whole book is the same companies twice.
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Frequently Asked Questions
Which is cheaper, TPLC or VYM?
TPLC has an expense ratio of 0.52% while VYM charges 0.04%. VYM is the cheaper option, by $48 a year on a $10,000 investment.
Which performed better, TPLC or VYM?
Over the past year TPLC returned +7.72% vs +16.24% for VYM, so VYM leads on 1-year performance. Over the longest common window we track (7 years), TPLC annualized +10.32% vs +10.91% for VYM. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, TPLC or VYM?
TPLC has been the more volatile fund at 17.1% annualized versus 15.2% for VYM. Worst drawdown: TPLC -38.1% vs VYM -35.7%.
Should I hold both TPLC and VYM?
TPLC and VYM have a monthly-return correlation of 0.93, 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 VYM?
45.1% of TPLC's money is in holdings VYM also owns. 26.5% of VYM's is in holdings TPLC also owns. They hold 103 positions in common, counted across the 268 positions we hold weights for in TPLC and 557 in VYM.
Which pays a higher dividend, TPLC or VYM?
TPLC yields 0.82% while VYM yields 2.22%, so VYM currently pays the higher dividend yield.
Is VYM better than TPLC?
VYM has a lower expense ratio. VYM led over 1Y, 3Y, 5Y and the full window. The two have moved almost in lockstep, correlation 0.93. TPLC is less concentrated, with 6.5% of the fund in its ten largest positions against 26.1%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.