TPLC vs VXUS
TPLC vs VXUS
Timothy Plan US Large/Mid Cap Core 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 | TPLC | VXUS | Winner |
|---|---|---|---|
| Expense Ratio | 0.52% | 0.05% | |
| AUM | $308M | $156.5B | |
| Dividend Yield | 0.89% | 2.60% | |
| Holdings | 273 | 8,747 | |
| YTD Return | +12.24% | +14.57% | |
| 1Y Return | +14.97% | +27.82% | |
| 3Y Return (annualized) | +13.14% | +19.27% | |
| 5Y Return (annualized) | +8.26% | +9.28% | |
| Volatility (annualized) | 17.1% | 15.1% | |
| Max Drawdown | -38.1% | -39.9% | |
| Fund Family | Timothy Plan | Vanguard (US) | |
| Category | Equity | Equity | |
| Inception | May 5, 2019 | Jan 26, 2011 |
TPLC vs VXUS Performance
Timothy Plan US Large/Mid Cap Core ETF (TPLC) is a ETF from Timothy Plan and Vanguard Total International Stock ETF (VXUS) is a ETF from Vanguard (US). Over the past year TPLC returned +14.97% while VXUS returned +27.82%. Year to date, TPLC is up 12.24% versus a gain of 14.57% for VXUS.
Over three years, TPLC compounded at +13.14% per year against +19.27% for VXUS; over five years the annualized figures are +8.26% and +9.28% respectively. Across the full 7-year window we track, TPLC has the edge at +11.17% annualized vs +4.86%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
TPLC has been the more volatile fund, with annualized monthly volatility of 17.1% compared with 15.1% for VXUS. 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 -38.1% for TPLC 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 0.85. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
TPLC charges 0.52% per year while VXUS charges 0.05%. On a $10,000 position that is $52 vs $5 annually, a gap of $47 per year that compounds over a long holding period. On income, TPLC currently yields 0.89% against 2.60% for VXUS.
Holdings Overlap
TPLC and VXUS share 1 holdings out of 8130 unique holdings combined, representing a 0.0% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Top Shared Holdings
| Stock | Weight in TPLC | Weight in VXUS | Difference |
|---|---|---|---|
| BG | 0.59% | 0.03% | 0.56% |
Frequently Asked Questions
Which is cheaper, TPLC or VXUS?
TPLC has an expense ratio of 0.52% while VXUS charges 0.05%. VXUS is the cheaper option. On a $10,000 investment, that is $47 per year of difference.
Which performed better, TPLC or VXUS?
Over the past year TPLC returned +14.97% vs +27.82% for VXUS, so VXUS leads on 1-year performance. Over the longest common window we track (7 years), TPLC annualized +11.17% vs +4.86% for VXUS. Past performance does not guarantee future results.
Which is riskier, TPLC or VXUS?
TPLC has been the more volatile fund at 17.1% annualized versus 15.1% for VXUS. Worst drawdown: TPLC -38.1% vs VXUS -39.9%.
Should I hold both TPLC and VXUS?
TPLC and VXUS have a monthly-return correlation of 0.85, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between TPLC and VXUS?
TPLC and VXUS share 1 common holdings with a 0.0% weight overlap. Combined, they hold 8130 unique securities.
Which pays a higher dividend, TPLC or VXUS?
TPLC yields 0.89% while VXUS yields 2.60%, so VXUS currently pays the higher dividend yield.
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