TPSC vs VTI
Timothy Plan US Small Cap Core ETF vs Vanguard Morningstar Total Stock Market ETF
Which is better, TPSC or VTI?
Small Cap Blend against Large Cap Blend.
VTI has a lower expense ratio. VTI led over 1Y, 3Y, 5Y 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 | TPSC | VTI |
|---|---|---|
| Expense Ratio | 0.52% | 0.03%Best |
| AUM | $374M | $666.9B |
| Dividend Yield | 1.04% | 1.03% |
| Holdings | 435 | 3,543 |
| YTD Return | +12.48%Best | +11.65% |
| 1Y Return | +13.75% | +17.34%Best |
| 3Y Return (annualized) | +14.96% | +20.35%Best |
| 5Y Return (annualized) | +8.29% | +11.72%Best |
| Volatility (annualized) | 21.4% | 17.4%Best |
| Max Drawdown | -41.9% | -35.0%Best |
| $10,000 over 5 years | $14,892 | $17,404Best |
| Fund Family | Timothy Plan | Vanguard (US) |
| Category | Equity | Equity |
| Style | Small Cap Blend | Large Cap Blend |
| Inception | Dec 2, 2019 | May 24, 2001 |
Not shown on this pair: Top 10 Weight.
Volatility and max drawdown are measured over the window both funds cover: Dec 3, 2019 to Sep 10, 2026 (6.8 years).
TPSC vs VTI growth
Month-end closes. Both lines start at 0% in the first month shown, so the gap between them is the difference in growth across that window. The full view covers the 6.8 years both funds cover.
TPSC vs VTI Performance
Timothy Plan US Small Cap Core ETF (TPSC) is an ETF from Timothy Plan and Vanguard Morningstar Total Stock Market ETF (VTI) is an ETF from Vanguard (US). Over the past year TPSC returned +13.75% while VTI returned +17.34%. Year to date, TPSC is up 12.48% versus a gain of 11.65% for VTI.
Over three years, TPSC compounded at +14.96% per year against +20.35% for VTI; over five years the annualized figures are +8.29% and +11.72% respectively. Across the full 7-year window we track, VTI has the edge at +14.87% annualized vs +10.83%.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
TPSC has been the more volatile fund, with annualized monthly volatility of 21.4% compared with 17.4% for VTI. 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 -41.9% for TPSC and -35.0% 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 0.85. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
TPSC charges 0.52% per year while VTI charges 0.03%. On a $10,000 position that is $52 vs $3 annually, a gap of $49 per year that compounds over a long holding period. On income, TPSC currently yields 1.04% against 1.03% for VTI.
Holdings Overlap
At least 76.1% of TPSC's money is in holdings VTI also owns.
Stated as a floor: for VTI, our book for it covers 90.6% of that fund, so a holding it does not list is one we cannot count as shared. The real figure is this or higher.
Most of TPSC is already inside VTI. Owning both mostly buys the same companies twice.
The two holdings books were reported 49 days apart, TPSC as of Aug 18, 2026 and VTI as of Jun 30, 2026, so some of the difference between them is the time between the two reports rather than the funds.
331 positions in common, counted across the 425 positions we hold weights for in TPSC and 2,787 in VTI, against full books of 435 and 3,543.
Top Shared Holdings
| Stock | Weight in TPSC | Weight in VTI | Difference |
|---|---|---|---|
| THGHanover Insurance Group Inc | 0.47% | 0.00% | 0.47% |
| AWRAmerican States Water Co | 0.43% | 0.00% | 0.43% |
| CONConcentra Group Holdings Parent Inc | 0.42% | 0.00% | 0.42% |
| SWXSouthwest Gas Corp. | 0.41% | 0.00% | 0.41% |
| CNOCno Financial Group Inc | 0.41% | 0.00% | 0.41% |
| OGSOne Gas Inc | 0.40% | 0.00% | 0.40% |
| QLYSQualys Inc | 0.40% | 0.00% | 0.40% |
| WTSWatts Water Technologies Inc | 0.39% | 0.01% | 0.38% |
| CAKECheesecake Factory Inc/the | 0.39% | 0.00% | 0.39% |
| CPKChesapeake Utilities Corp | 0.39% | 0.00% | 0.39% |
76.1% of TPSC is already inside VTI.
You probably hold more than these two. Add the rest and see how much of the whole book is the same companies twice.
Free for up to 10 holdings. No account needed.
Frequently Asked Questions
Which is cheaper, TPSC or VTI?
TPSC has an expense ratio of 0.52% while VTI charges 0.03%. VTI is the cheaper option, by $49 a year on a $10,000 investment.
Which performed better, TPSC or VTI?
Over the past year TPSC returned +13.75% vs +17.34% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (7 years), TPSC annualized +10.83% vs +14.87% for VTI. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, TPSC or VTI?
TPSC has been the more volatile fund at 21.4% annualized versus 17.4% for VTI. Worst drawdown: TPSC -41.9% vs VTI -35.0%.
Should I hold both TPSC and VTI?
TPSC and VTI have a monthly-return correlation of 0.85, so their returns are far enough apart for the mix to behave differently from either one alone. This is information, not a recommendation.
What is the holdings overlap between TPSC and VTI?
At least 76.1% of TPSC's money is in holdings VTI also owns. Our book for VTI is partial, so the real figure is this or higher. They hold 331 positions in common, counted across the 425 positions we hold weights for in TPSC and 2,787 in VTI.
Which pays a higher dividend, TPSC or VTI?
TPSC yields 1.04% while VTI yields 1.03%, so TPSC currently pays the higher dividend yield.
Is VTI better than TPSC?
VTI has a lower expense ratio. VTI led over 1Y, 3Y, 5Y and the full window. Which one suits a particular account depends on what it is for. This is information, not a recommendation.