TPLC vs VYM
TPLC vs VYM
Timothy Plan US Large/Mid 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 558 holdings.
Side-by-Side Comparison
| Metric | TPLC | VYM | Winner |
|---|---|---|---|
| Expense Ratio | 0.52% | 0.04% | |
| AUM | $308M | $79.0B | |
| Dividend Yield | 0.89% | 2.86% | |
| Holdings | 273 | 568 | |
| YTD Return | +12.24% | +15.80% | |
| 1Y Return | +14.97% | +26.12% | |
| 3Y Return (annualized) | +13.14% | +18.25% | |
| 5Y Return (annualized) | +8.26% | +12.51% | |
| Volatility (annualized) | 17.1% | 14.6% | |
| Max Drawdown | -38.1% | -58.8% | |
| Fund Family | Timothy Plan | Vanguard (US) | |
| Category | Equity | Equity | |
| Inception | May 5, 2019 | Nov 10, 2006 |
TPLC vs VYM Performance
Timothy Plan US Large/Mid Cap Core ETF (TPLC) is a ETF from Timothy Plan and Vanguard High Dividend Yield ETF (VYM) is a ETF from Vanguard (US). Over the past year TPLC returned +14.97% while VYM returned +26.12%. Year to date, TPLC is up 12.24% versus a gain of 15.80% for VYM.
Over three years, TPLC compounded at +13.14% per year against +18.25% for VYM; over five years the annualized figures are +8.26% and +12.51% respectively. Across the full 7-year window we track, TPLC has the edge at +11.17% annualized vs +7.07%. 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 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 -38.1% for TPLC 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 0.93. They move almost in lockstep, so holding both mostly duplicates the same exposure.
Fees and Cost Over Time
TPLC 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, TPLC currently yields 0.89% against 2.86% for VYM.
Holdings Overlap
TPLC and VYM share 95 holdings out of 733 unique holdings combined, representing a 17.6% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Top Shared Holdings
| Stock | Weight in TPLC | Weight in VYM | Difference |
|---|---|---|---|
| AVGO | 0.21% | 6.47% | 6.26% |
| CAT | 0.56% | 1.51% | 0.95% |
| NEE | 0.44% | 0.86% | 0.42% |
| UNP | Pro | Pro | Pro |
| CME | Pro | Pro | Pro |
| ADI | Pro | Pro | Pro |
| TXN | Pro | Pro | Pro |
| SO | Pro | Pro | Pro |
| COP | Pro | Pro | Pro |
| WM | Pro | Pro | Pro |
See all 10 holdings TPLC shares with VYM Exact weights in each fund and the difference, for every overlapping position. Get FundXLS Pro: $29/moFirst 500 subscribers, then $49/mo. Cancel anytime. | |||
Frequently Asked Questions
Which is cheaper, TPLC or VYM?
TPLC 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, TPLC or VYM?
Over the past year TPLC returned +14.97% vs +26.12% for VYM, so VYM leads on 1-year performance. Over the longest common window we track (7 years), TPLC annualized +11.17% vs +7.07% for VYM. Past performance does not guarantee future results.
Which is riskier, TPLC or VYM?
TPLC has been the more volatile fund at 17.1% annualized versus 14.6% for VYM. Worst drawdown: TPLC -38.1% vs VYM -58.8%.
Should I hold both TPLC and VYM?
TPLC and VYM have a monthly-return correlation of 0.93, so they move almost identically. Holding both adds little diversification - most investors pick one, usually on fees or the specific index tracked.
What is the holdings overlap between TPLC and VYM?
TPLC and VYM share 95 common holdings with a 17.6% weight overlap. Combined, they hold 733 unique securities.
Which pays a higher dividend, TPLC or VYM?
TPLC yields 0.89% while VYM yields 2.86%, so VYM currently pays the higher dividend yield.
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