TPMN vs VOO
Timothy Plan Market Neutral 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 505 holdings.
Side-by-Side Comparison
| Metric | TPMN | VOO | Winner |
|---|---|---|---|
| Expense Ratio | 0.65% | 0.03% | |
| AUM | $31M | $979.0B | |
| Dividend Yield | 4.08% | 1.09% | |
| Holdings | 298 | 509 | |
| YTD Return | +2.40% | +14.48% | |
| 1Y Return | +4.75% | +22.02% | |
| 3Y Return (annualized) | - | +21.80% | |
| 5Y Return (annualized) | - | +13.36% | |
| Volatility (annualized) | 4.5% | 14.2% | |
| Max Drawdown | -5.1% | -34.3% | |
| Fund Family | Timothy Plan | Vanguard (US) | |
| Category | Allocation/Balanced | Equity | |
| Inception | Jan 24, 2023 | Sep 7, 2010 |
TPMN vs VOO Performance
Timothy Plan Market Neutral ETF (TPMN) is a ETF from Timothy Plan and Vanguard S&P 500 ETF (VOO) is a ETF from Vanguard (US). Over the past year TPMN returned +4.75% while VOO returned +22.02%. Year to date, TPMN is up 2.40% versus a gain of 14.48% for VOO.
Risk: Volatility and Drawdowns
VOO has been the more volatile fund, with annualized monthly volatility of 14.2% compared with 4.5% for TPMN. 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 -5.1% for TPMN 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 -0.41. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
TPMN charges 0.65% per year while VOO charges 0.03%. On a $10,000 position that is $65 vs $3 annually, a gap of $62 per year that compounds over a long holding period. On income, TPMN currently yields 4.08% against 1.09% for VOO.
Frequently Asked Questions
Which is cheaper, TPMN or VOO?
TPMN has an expense ratio of 0.65% while VOO charges 0.03%. VOO is the cheaper option. On a $10,000 investment, that is $62 per year of difference.
Which performed better, TPMN or VOO?
Over the past year TPMN returned +4.75% vs +22.02% for VOO, so VOO leads on 1-year performance. Over the longest common window we track (3 years), TPMN annualized +4.14% vs +13.61% for VOO. Past performance does not guarantee future results.
Which is riskier, TPMN or VOO?
VOO has been the more volatile fund at 14.2% annualized versus 4.5% for TPMN. Worst drawdown: TPMN -5.1% vs VOO -34.3%.
Should I hold both TPMN and VOO?
TPMN and VOO have a monthly-return correlation of -0.41, so combining them can provide real diversification depending on your allocation goals.
Which pays a higher dividend, TPMN or VOO?
TPMN yields 4.08% while VOO yields 1.09%, so TPMN currently pays the higher dividend yield.
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