PGZ vs TPLC
Principal Real Estate Income Fund vs Timothy Plan US Large/Mid Cap Core ETF
Which is better, PGZ or TPLC?
TPLC has been ahead.
TPLC has a lower expense ratio. TPLC 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 | PGZ | TPLC |
|---|---|---|
| Expense Ratio | 2.16% | 0.52%Best |
| AUM | $69M | $311M |
| Dividend Yield | 12.28% | 0.86% |
| Holdings | 110 | 542 |
| YTD Return | -4.14% | +8.72%Best |
| 1Y Return | -4.95% | +9.22%Best |
| 3Y Return (annualized) | +10.97% | +13.58%Best |
| 5Y Return (annualized) | -0.32% | +7.65%Best |
| Volatility (annualized) | 24.1% | 17.1%Best |
| Max Drawdown | -56.8% | -38.1%Best |
| $10,000 over 5 years | $9,841 | $14,457Best |
| Fund Family | Principal Funds | Timothy Plan |
| Category | Equity | Equity |
| Style | Mid Cap Blend | Mid Cap Blend |
| Inception | Jun 26, 2013 | May 5, 2019 |
Not shown on this pair: Top 10 Weight.
Volatility and max drawdown are measured over the window both funds cover: May 1, 2019 to Oct 14, 2026 (7.5 years).
PGZ vs TPLC 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 7.5 years both funds cover.
PGZ vs TPLC Performance
Principal Real Estate Income Fund (PGZ) is an ETF from Principal Funds and Timothy Plan US Large/Mid Cap Core ETF (TPLC) is an ETF from Timothy Plan. Over the past year PGZ returned -4.95% while TPLC returned +9.22%. Year to date, PGZ is down 4.14% versus a gain of 8.72% for TPLC.
Over three years, PGZ compounded at +10.97% per year against +13.58% for TPLC; over five years the annualized figures are -0.32% and +7.65% respectively. Across the full 8-year window we track, TPLC has the edge at +10.40% annualized vs -2.15%.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
PGZ has been the more volatile fund, with annualized monthly volatility of 24.1% compared with 17.1% for TPLC. 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 -56.8% for PGZ and -38.1% for TPLC. Drawdown depth is what each fund did in the worst stretch of the window measured above.
The two funds' monthly returns correlate at 0.69. They move together some of the time, and apart the rest.
Fees and Cost Over Time
PGZ charges 2.16% per year while TPLC charges 0.52%. On a $10,000 position that is $216 vs $52 annually, a gap of $164 per year that compounds over a long holding period. On income, PGZ currently yields 12.28% against 0.86% for TPLC.
Holdings Overlap
We hold position weights for 61 holdings in PGZ and 268 in TPLC, totalling 59.8% and 99.8% of the two funds. The two books name no position in common, so there is no overlap percentage to show.
The two holdings books were reported 244 days apart, PGZ as of Jan 31, 2026 and TPLC as of Oct 2, 2026, so some of the difference between them is the time between the two reports rather than the funds.
0 positions in common, counted across the 61 positions we hold weights for in PGZ and 268 in TPLC, against full books of 110 and 542.
You are not choosing between two funds in isolation.
Whichever of PGZ and TPLC you pick has to sit alongside everything else you own. Add the rest and see what the combination actually holds.
Free for up to 10 holdings. No account needed.
Frequently Asked Questions
Which is cheaper, PGZ or TPLC?
PGZ has an expense ratio of 2.16% while TPLC charges 0.52%. TPLC is the cheaper option, by $164 a year on a $10,000 investment.
Which performed better, PGZ or TPLC?
Over the past year PGZ returned -4.95% vs +9.22% for TPLC, so TPLC leads on 1-year performance. Over the longest common window we track (8 years), PGZ annualized -2.15% vs +10.40% for TPLC. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, PGZ or TPLC?
PGZ has been the more volatile fund at 24.1% annualized versus 17.1% for TPLC. Worst drawdown: PGZ -56.8% vs TPLC -38.1%.
Should I hold both PGZ and TPLC?
PGZ and TPLC have a monthly-return correlation of 0.69, so their returns are far enough apart for the mix to behave differently from either one alone. This is information, not a recommendation.
Which pays a higher dividend, PGZ or TPLC?
PGZ yields 12.28% while TPLC yields 0.86%, so PGZ currently pays the higher dividend yield.
Is TPLC better than PGZ?
TPLC has a lower expense ratio. TPLC 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.