TPLE vs VXUS
Timothy Plan US Large/Mid Core Enhanced 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 7861 holdings.
Side-by-Side Comparison
| Metric | TPLE | VXUS | Winner |
|---|---|---|---|
| Expense Ratio | 0.52% | 0.05% | |
| AUM | $18M | $156.5B | |
| Dividend Yield | 1.01% | 2.60% | |
| Holdings | 279 | 8,747 | |
| YTD Return | +9.29% | +14.07% | |
| 1Y Return | +7.09% | +27.24% | |
| 3Y Return (annualized) | +6.50% | +19.27% | |
| 5Y Return (annualized) | - | +9.14% | |
| Volatility (annualized) | 13.0% | 15.1% | |
| Max Drawdown | -21.6% | -39.9% | |
| Fund Family | Timothy Plan | Vanguard (US) | |
| Category | Equity | Equity | |
| Inception | Jul 28, 2021 | Jan 26, 2011 |
TPLE vs VXUS Performance
Timothy Plan US Large/Mid Core Enhanced ETF (TPLE) is a ETF from Timothy Plan and Vanguard Total International Stock ETF (VXUS) is a ETF from Vanguard (US). Over the past year TPLE returned +7.09% while VXUS returned +27.24%. Year to date, TPLE is up 9.29% versus a gain of 14.07% for VXUS.
Over three years, TPLE compounded at +6.50% per year against +19.27% for VXUS. Across the full 4-year window we track, VXUS has the edge at +4.83% annualized vs +3.42%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
VXUS has been the more volatile fund, with annualized monthly volatility of 15.1% compared with 13.0% for TPLE. 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 -21.6% for TPLE 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 0.67. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
TPLE charges 0.52% per year while VXUS charges 0.05%. On a $10,000 position that is $52 vs $5 annually, a gap of $47 per year that compounds over a long holding period. On income, TPLE currently yields 1.01% against 2.60% for VXUS.
Frequently Asked Questions
Which is cheaper, TPLE or VXUS?
TPLE has an expense ratio of 0.52% while VXUS charges 0.05%. VXUS is the cheaper option. On a $10,000 investment, that is $47 per year of difference.
Which performed better, TPLE or VXUS?
Over the past year TPLE returned +7.09% vs +27.24% for VXUS, so VXUS leads on 1-year performance. Over the longest common window we track (4 years), TPLE annualized +3.42% vs +4.83% for VXUS. Past performance does not guarantee future results.
Which is riskier, TPLE or VXUS?
VXUS has been the more volatile fund at 15.1% annualized versus 13.0% for TPLE. Worst drawdown: TPLE -21.6% vs VXUS -39.9%.
Should I hold both TPLE and VXUS?
TPLE and VXUS have a monthly-return correlation of 0.67, so combining them can provide real diversification depending on your allocation goals.
Which pays a higher dividend, TPLE or VXUS?
TPLE yields 1.01% while VXUS yields 2.60%, so VXUS currently pays the higher dividend yield.
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