TPMN vs VTI
Timothy Plan Market Neutral ETF vs Vanguard Morningstar Total Stock Market ETF
Which is better, TPMN or VTI?
Allocation/Balanced against Large Cap Blend.
VTI has a lower expense ratio. VTI led over 1Y and the full window.
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 | TPMN | VTI |
|---|---|---|
| Expense Ratio | 0.65% | 0.03%Best |
| AUM | $31M | $666.9B |
| Dividend Yield | 4.08% | 1.03% |
| Holdings | 298 | 3,543 |
| Volatility (annualized) | 4.5%Best | 13.2% |
| Max Drawdown | -5.1%Best | -19.3% |
| $10,000 over 2.5 years | $11,067 | $16,002Best |
| Fund Family | Timothy Plan | Vanguard (US) |
| Category | Allocation/Balanced | Equity |
| Style | Allocation/Balanced | Large Cap Blend |
| Inception | Jan 24, 2023 | May 24, 2001 |
Not shown on this pair: YTD Return, 1Y Return, 3Y Return (annualized), 5Y Return (annualized), Top 10 Weight.
The two price series end 423 days apart, so a return over any period would be measuring two different stretches of market. Those rows are withheld. TPMN has data through Jul 22, 2025 and VTI through Sep 18, 2026.
Volatility and max drawdown, and the $10,000 over 2.5 years row, are measured over the window both funds cover: Jan 25, 2023 to Jul 22, 2025 (2.5 years).
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 13.2% 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 -19.3% for VTI. Drawdown depth is what each fund did in the worst stretch of the window measured above.
The two funds' monthly returns correlate at -0.38. They move together some of the time, and apart the rest.
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 1.03% for VTI.
You are not choosing between two funds in isolation.
Whichever of TPMN and VTI you pick has to sit alongside everything else you own. Add the rest and see what the combination actually holds.
Free for up to 10 holdings. No account needed.
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, by $62 a year on a $10,000 investment.
Which is riskier, TPMN or VTI?
VTI has been the more volatile fund at 13.2% annualized versus 4.5% for TPMN. Worst drawdown: TPMN -5.1% vs VTI -19.3%.
Should I hold both TPMN and VTI?
TPMN and VTI have a monthly-return correlation of -0.38, so their returns are far enough apart for the mix to behave differently from either one alone. This is information, not a recommendation.
Which pays a higher dividend, TPMN or VTI?
TPMN yields 4.08% while VTI yields 1.03%, so TPMN currently pays the higher dividend yield.
Is VTI better than TPMN?
VTI has a lower expense ratio. VTI led over 1Y and the full window. Which one suits a particular account depends on what it is for. This is information, not a recommendation.