TPSC vs VYM
Timothy Plan US Small Cap Core ETF vs Vanguard High Dividend Yield ETF
Quick Verdict
VYM has a lower expense ratio. VYM delivered stronger 1-year returns. VYM offers more diversification with 616 holdings.
Side-by-Side Comparison
| Metric | TPSC | VYM | Winner |
|---|---|---|---|
| Expense Ratio | 0.52% | 0.04% | |
| AUM | $388M | $81.6B | |
| Dividend Yield | 1.02% | 2.24% | |
| Holdings | 443 | 616 | |
| YTD Return | +16.01% | +14.84% | |
| 1Y Return | +16.16% | +20.88% | |
| 3Y Return (annualized) | +14.99% | +18.34% | |
| 5Y Return (annualized) | +8.47% | +12.04% | |
| Volatility (annualized) | 21.5% | 14.6% | |
| Max Drawdown | -41.9% | -58.8% | |
| Fund Family | Timothy Plan | Vanguard (US) | |
| Category | Equity | Equity | |
| Inception | Dec 2, 2019 | Nov 10, 2006 |
TPSC vs VYM Performance
Timothy Plan US Small Cap Core ETF (TPSC) is a ETF from Timothy Plan and Vanguard High Dividend Yield ETF (VYM) is a ETF from Vanguard (US). Over the past year TPSC returned +16.16% while VYM returned +20.88%. Year to date, TPSC is up 16.01% versus a gain of 14.84% for VYM.
Over three years, TPSC compounded at +14.99% per year against +18.34% for VYM; over five years the annualized figures are +8.47% and +12.04% respectively. Across the full 7-year window we track, TPSC has the edge at +11.40% annualized vs +7.01%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
TPSC has been the more volatile fund, with annualized monthly volatility of 21.5% compared with 14.6% for VYM. 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 -58.8% for VYM. 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 0.89. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
TPSC charges 0.52% per year while VYM charges 0.04%. On a $10,000 position that is $52 vs $4 annually, a gap of $48 per year that compounds over a long holding period. On income, TPSC currently yields 1.02% against 2.24% for VYM.
Holdings Overlap
TPSC and VYM share 160 holdings out of 870 unique holdings combined, representing a 3.0% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, TPSC or VYM?
TPSC has an expense ratio of 0.52% while VYM charges 0.04%. VYM is the cheaper option. On a $10,000 investment, that is $48 per year of difference.
Which performed better, TPSC or VYM?
Over the past year TPSC returned +16.16% vs +20.88% for VYM, so VYM leads on 1-year performance. Over the longest common window we track (7 years), TPSC annualized +11.40% vs +7.01% for VYM. Past performance does not guarantee future results.
Which is riskier, TPSC or VYM?
TPSC has been the more volatile fund at 21.5% annualized versus 14.6% for VYM. Worst drawdown: TPSC -41.9% vs VYM -58.8%.
Should I hold both TPSC and VYM?
TPSC and VYM have a monthly-return correlation of 0.89, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between TPSC and VYM?
TPSC and VYM share 160 common holdings with a 3.0% weight overlap. Combined, they hold 870 unique securities.
Which pays a higher dividend, TPSC or VYM?
TPSC yields 1.02% while VYM yields 2.24%, so VYM currently pays the higher dividend yield.
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