Timothy Plan High Yield Bond Fund (TPHAX)

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The chart shows the growth of an initial investment of $10,000 in Timothy Plan High Yield Bond Fund, comparing it to the performance of the S&P 500 index or another benchmark. All prices have been adjusted for splits and dividends.

Timothy Plan High Yield Bond Fund (TPHAX) has returned -1.27% so far this year and 5.78% over the past 12 months. Over the last ten years, TPHAX has returned 5.07% per year, falling short of the S&P 500 Index benchmark, which averaged 12.16% annually.

Based on dividend-adjusted daily data since May 10, 2007, TPHAX's average daily return is +0.02%, while the average monthly return is +0.41%. At this rate, your investment would double in approximately 14.1 years.

Historically, 67% of months were positive and 33% were negative. The best month was Apr 2009 with a return of +11.5%, while the worst month was Oct 2008 at -18.0%. The longest winning streak lasted 11 consecutive months, and the longest losing streak was 6 months.

On a daily basis, TPHAX closed higher 45% of trading days. The best single day was Jan 6, 2009 with a return of +3.2%, while the worst single day was Oct 10, 2008 at -4.3%.

Timothy Plan High Yield Bond Fund has an annualized alpha of 3.75%, beta of 0.10, and R² of 0.14 versus S&P 500 Index. Calculated based on daily prices since May 11, 2007.

• This fund participated in 43.78% of S&P 500 Index downside but only 39.44% of its upside — more exposed to losses than it benefited from rallies.
• Beta of 0.10 may look defensive, but with R² of 0.14 this fund is largely uncorrelated with S&P 500 Index — low beta reflects independence, not downside protection. See the Volatility section for a true picture of this fund's risk.
• R² of 0.14 means this fund moves largely independently of S&P 500 Index — capture ratios reflect limited market correlation rather than active downside protection. Consider using a more representative benchmark.

TPHAX has a high expense ratio of 1.39%, indicating above-average management fees.

TPHAX ranks 82 for risk / return — in the top 82% of mutual funds on our site. This means strong returns relative to risk — exactly what professional investors look for. Well-suited for investors who want to maximize return per unit of risk.

The table below present risk-adjusted performance metrics for Timothy Plan High Yield Bond Fund (TPHAX) and compare them to a chosen benchmark (S&P 500 Index).

Timothy Plan High Yield Bond Fund provided a 5.87% dividend yield over the last twelve months, with an annual payout of $0.52 per share.

The table displays the monthly dividend distributions for Timothy Plan High Yield Bond Fund. The dividends shown in the table have been adjusted to account for any splits that may have occurred.

The Drawdowns chart displays portfolio losses from any high point along the way. Drawdowns are calculated considering price movements and all distributions paid, if any.

The table below displays the maximum drawdowns of the Timothy Plan High Yield Bond Fund. A maximum drawdown is a measure of risk, indicating the largest reduction in portfolio value due to a series of losing trades.

The maximum drawdown for the Timothy Plan High Yield Bond Fund was 35.48%, occurring on Dec 15, 2008. Recovery took 196 trading sessions.

The current Timothy Plan High Yield Bond Fund drawdown is 2.24%.

The chart below shows the rolling one-month volatility.