CIL vs TPIF
VictoryShares International Volatility Wtd ETF vs Timothy Plan International ETF
Which is better, CIL or TPIF?
Nearly the same fund. CIL costs less.
CIL has a lower expense ratio. CIL led over 1Y and the full window. The two have moved almost in lockstep, correlation 0.98. CIL is less concentrated, with 3.7% of the fund in its ten largest positions against 6.1%.
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 | CIL | TPIF |
|---|---|---|
| Expense Ratio | 0.45%Best | 0.62% |
| AUM | $31M | $263M |
| Dividend Yield | 2.51% | 2.71% |
| Holdings | 513 | 378 |
| Volatility (annualized) | 16.5%Best | 16.9% |
| Max Drawdown | -44.4% | -34.1%Best |
| $10,000 over 6.2 years | $17,613Best | $17,024 |
| Top 10 Weight | 3.7%Best | 6.1% |
| Fund Family | Victory Capital Management Inc. | Timothy Plan |
| Category | Equity | Equity |
| Style | Large Cap Blend | Large Cap Blend |
| Inception | Aug 20, 2015 | Dec 2, 2019 |
Not shown on this pair: YTD Return, 1Y Return, 3Y Return (annualized), 5Y Return (annualized).
The two price series end 252 days apart, so a return over any period would be measuring two different stretches of market. Those rows are withheld. CIL has data through Feb 4, 2026 and TPIF through Oct 14, 2026.
Volatility and max drawdown, and the $10,000 over 6.2 years row, are measured over the window both funds cover: Dec 3, 2019 to Feb 4, 2026 (6.2 years).
Risk: Volatility and Drawdowns
TPIF has been the more volatile fund, with annualized monthly volatility of 16.9% compared with 16.5% for CIL. 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 -44.4% for CIL and -34.1% for TPIF. Drawdown depth is what each fund did in the worst stretch of the window measured above.
The two funds' monthly returns correlate at 0.98. They move almost in lockstep, so holding both mostly duplicates the same exposure.
Fees and Cost Over Time
CIL charges 0.45% per year while TPIF charges 0.62%. On a $10,000 position that is $45 vs $62 annually, a gap of $17 per year that compounds over a long holding period. On income, CIL currently yields 2.51% against 2.71% for TPIF.
Holdings Overlap
44.7% of CIL's money is in holdings TPIF also owns. 63.9% of TPIF's money is in holdings CIL also owns.
The two portfolios partly overlap.
The two holdings books were reported 367 days apart, CIL as of Sep 30, 2025 and TPIF as of Oct 2, 2026, so some of the difference between them is the time between the two reports rather than the funds.
224 positions in common, counted across the 504 positions we hold weights for in CIL and 367 in TPIF, against full books of 513 and 378.
Top Shared Holdings
| Stock | Weight in CIL | Weight in TPIF | Difference |
|---|---|---|---|
| 0002:HKClp Holdings Ltd | 0.46% | 0.74% | 0.28% |
| FTS:CAFortis Inc | 0.36% | 0.57% | 0.21% |
| EMA:CAEmera Inc | 0.38% | 0.53% | 0.15% |
| DBSM:SIDBS Group Holdings Ltd Dbs Group Holdings Ltd | 0.26% | 0.65% | 0.39% |
| TLS:AUTelstra Corp Ltd | 0.41% | 0.49% | 0.08% |
| U11:SIUnited Overseas Bank Ltd. United Overseas Bank Limited | 0.28% | 0.61% | 0.33% |
| GWO:CAGreat-West Lifeco Inc | 0.25% | 0.64% | 0.39% |
| H:CAHydro One Ltd | 0.34% | 0.52% | 0.18% |
| POW:CAPower Corp Of Canada Common Stock | 0.30% | 0.55% | 0.25% |
| 0003:HKHong Kong & China Gas Co Ltd | 0.34% | 0.49% | 0.15% |
63.9% of TPIF is already inside CIL.
You probably hold more than these two. Add the rest and see how much of the whole book is the same companies twice.
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Frequently Asked Questions
Which is cheaper, CIL or TPIF?
CIL has an expense ratio of 0.45% while TPIF charges 0.62%. CIL is the cheaper option, by $17 a year on a $10,000 investment.
Which is riskier, CIL or TPIF?
TPIF has been the more volatile fund at 16.9% annualized versus 16.5% for CIL. Worst drawdown: CIL -44.4% vs TPIF -34.1%.
Should I hold both CIL and TPIF?
CIL and TPIF have a monthly-return correlation of 0.98, so they move almost identically. What is left to separate them is the fee and the index each one tracks. This is information, not a recommendation.
What is the holdings overlap between CIL and TPIF?
63.9% of TPIF's money is in holdings CIL also owns. 63.9% of TPIF's is in holdings CIL also owns. They hold 224 positions in common, counted across the 504 positions we hold weights for in CIL and 367 in TPIF.
Which pays a higher dividend, CIL or TPIF?
CIL yields 2.51% while TPIF yields 2.71%, so TPIF currently pays the higher dividend yield.
Is TPIF better than CIL?
CIL has a lower expense ratio. CIL led over 1Y and the full window. The two have moved almost in lockstep, correlation 0.98. CIL is less concentrated, with 3.7% of the fund in its ten largest positions against 6.1%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.