TPFI vs VTI
Timothy Plan Fixed Income ETF vs Vanguard Morningstar Total Stock Market ETF
Which is better, TPFI or VTI?
Intermediate Term Bond against Large Cap Blend.
VTI has a lower expense ratio.
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 | TPFI | VTI |
|---|---|---|
| Expense Ratio | 0.55% | 0.03%Best |
| AUM | $25M | $690.1B |
| Dividend Yield | 1.04% | 1.03% |
| Holdings | 389 | 3,524 |
| YTD Return | -3.30% | +14.35%Best |
| 1Y Return | - | +17.97% |
| 3Y Return (annualized) | - | +22.47% |
| 5Y Return (annualized) | - | +12.62% |
| Fund Family | Timothy Plan | Vanguard (US) |
| Category | Fixed Income | Equity |
| Style | Intermediate Term Bond | Large Cap Blend |
| Inception | May 5, 2026 | May 24, 2001 |
Not shown on this pair: Volatility (annualized), Max Drawdown, $10,000 over the window, Top 10 Weight.
TPFI vs VTI 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 is available from the range buttons; it is not the opening view here because over the whole period one of these two funds moves so much further than the other that its line would sit flat on the axis.
TPFI vs VTI Performance
Timothy Plan Fixed Income ETF (TPFI) is an ETF from Timothy Plan and Vanguard Morningstar Total Stock Market ETF (VTI) is an ETF from Vanguard (US). Year to date, TPFI is down 3.30% versus a gain of 14.35% for VTI.
Past performance does not guarantee future results.
Fees and Cost Over Time
TPFI charges 0.55% per year while VTI charges 0.03%. On a $10,000 position that is $55 vs $3 annually, a gap of $52 per year that compounds over a long holding period. On income, TPFI currently yields 1.04% against 1.03% for VTI.
Holdings Overlap
We hold position weights for 172 holdings in TPFI and 3,463 in VTI, totalling 23.3% and 98.1% of the two funds. That is not enough of TPFI to divide by, so no overlap percentage is shown here. Within what we can see, 1 positions appear in both.
The two holdings books were reported 46 days apart, TPFI as of Sep 15, 2026 and VTI as of Jul 31, 2026, so some of the difference between them is the time between the two reports rather than the funds.
1 positions in common, counted across the 172 positions we hold weights for in TPFI and 3,463 in VTI, against full books of 389 and 3,524.
Top Shared Holdings
| Stock | Weight in TPFI | Weight in VTI | Difference |
|---|---|---|---|
| LYBLyb Int Finance Iii 3.375 10/01/2040 | 0.06% | 0.02% | 0.04% |
You are not choosing between two funds in isolation.
Whichever of TPFI and VTI 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, TPFI or VTI?
TPFI has an expense ratio of 0.55% while VTI charges 0.03%. VTI is the cheaper option, by $52 a year on a $10,000 investment.
Which pays a higher dividend, TPFI or VTI?
TPFI yields 1.04% while VTI yields 1.03%, so TPFI currently pays the higher dividend yield.
Is VTI better than TPFI?
VTI has a lower expense ratio. Which one suits a particular account depends on what it is for. This is information, not a recommendation.