TPMN vs VXUS
Timothy Plan Market Neutral 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 | TPMN | VXUS | Winner |
|---|---|---|---|
| Expense Ratio | 0.65% | 0.05% | |
| AUM | $31M | $156.5B | |
| Dividend Yield | 4.08% | 2.60% | |
| Holdings | 298 | 8,747 | |
| YTD Return | +2.40% | +14.57% | |
| 1Y Return | +4.75% | +27.82% | |
| 3Y Return (annualized) | - | +19.27% | |
| 5Y Return (annualized) | - | +9.28% | |
| Volatility (annualized) | 4.5% | 15.1% | |
| Max Drawdown | -5.1% | -39.9% | |
| Fund Family | Timothy Plan | Vanguard (US) | |
| Category | Allocation/Balanced | Equity | |
| Inception | Jan 24, 2023 | Jan 26, 2011 |
TPMN vs VXUS Performance
Timothy Plan Market Neutral ETF (TPMN) is a ETF from Timothy Plan and Vanguard Total International Stock ETF (VXUS) is a ETF from Vanguard (US). Over the past year TPMN returned +4.75% while VXUS returned +27.82%. Year to date, TPMN is up 2.40% versus a gain of 14.57% for VXUS.
Risk: Volatility and Drawdowns
VXUS has been the more volatile fund, with annualized monthly volatility of 15.1% 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 -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 -0.10. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
TPMN charges 0.65% per year while VXUS charges 0.05%. On a $10,000 position that is $65 vs $5 annually, a gap of $60 per year that compounds over a long holding period. On income, TPMN currently yields 4.08% against 2.60% for VXUS.
Frequently Asked Questions
Which is cheaper, TPMN or VXUS?
TPMN has an expense ratio of 0.65% while VXUS charges 0.05%. VXUS is the cheaper option. On a $10,000 investment, that is $60 per year of difference.
Which performed better, TPMN or VXUS?
Over the past year TPMN returned +4.75% vs +27.82% for VXUS, so VXUS leads on 1-year performance. Over the longest common window we track (3 years), TPMN annualized +4.14% vs +4.86% for VXUS. Past performance does not guarantee future results.
Which is riskier, TPMN or VXUS?
VXUS has been the more volatile fund at 15.1% annualized versus 4.5% for TPMN. Worst drawdown: TPMN -5.1% vs VXUS -39.9%.
Should I hold both TPMN and VXUS?
TPMN and VXUS have a monthly-return correlation of -0.10, so combining them can provide real diversification depending on your allocation goals.
Which pays a higher dividend, TPMN or VXUS?
TPMN yields 4.08% while VXUS yields 2.60%, so TPMN currently pays the higher dividend yield.
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