TPMN vs VTI
Timothy Plan Market Neutral ETF vs Vanguard Morningstar Total Stock Market ETF
Quick Verdict
VTI has a lower expense ratio. VTI delivered stronger 1-year returns. VTI offers more diversification with 3,543 holdings.
Side-by-Side Comparison
| Metric | TPMN | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.65% | 0.03% | |
| AUM | $31M | $666.9B | |
| Dividend Yield | 4.08% | 1.07% | |
| Holdings | 298 | 3,543 | |
| YTD Return | +2.40% | +13.14% | |
| 1Y Return | +4.75% | +22.35% | |
| 3Y Return (annualized) | - | +21.83% | |
| 5Y Return (annualized) | - | +12.01% | |
| Volatility (annualized) | 4.5% | 15.3% | |
| Max Drawdown | -5.1% | -56.6% | |
| Fund Family | Timothy Plan | Vanguard (US) | |
| Category | Allocation/Balanced | Equity | |
| Inception | Jan 24, 2023 | May 24, 2001 |
TPMN vs VTI Performance
Timothy Plan Market Neutral ETF (TPMN) is a ETF from Timothy Plan and Vanguard Morningstar Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year TPMN returned +4.75% while VTI returned +22.35%. Year to date, TPMN is up 2.40% versus a gain of 13.14% for VTI.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 15.3% 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 -56.6% for VTI. 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 -0.38. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
TPMN charges 0.65% per year while VTI 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 1.07% for VTI.
Frequently Asked Questions
Which is cheaper, TPMN or VTI?
TPMN has an expense ratio of 0.65% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $62 per year of difference.
Which performed better, TPMN or VTI?
Over the past year TPMN returned +4.75% vs +22.35% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (3 years), TPMN annualized +4.14% vs +8.09% for VTI. Past performance does not guarantee future results.
Which is riskier, TPMN or VTI?
VTI has been the more volatile fund at 15.3% annualized versus 4.5% for TPMN. Worst drawdown: TPMN -5.1% vs VTI -56.6%.
Should I hold both TPMN and VTI?
TPMN and VTI have a monthly-return correlation of -0.38, so combining them can provide real diversification depending on your allocation goals.
Which pays a higher dividend, TPMN or VTI?
TPMN yields 4.08% while VTI yields 1.07%, so TPMN currently pays the higher dividend yield.
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