SPCT vs. TPFG

Last updated Aug 6, 2026

SPCT (Liberty One Spectrum ETF) and TPFG (Timothy Plan Free Cash Flow Growth ETF) are both Large Cap Blend Equities funds. SPCT is actively managed, while TPFG is passively managed. Their -0.14 correlation means they have often moved in opposite directions in the past. SPCT charges 0.85%/yr vs 0.59%/yr for TPFG.

Performance

SPCT vs. TPFG - Performance Comparison

The chart below illustrates the hypothetical performance of a $10,000 investment in Liberty One Spectrum ETF (SPCT) and Timothy Plan Free Cash Flow Growth ETF (TPFG). The values are adjusted to include any dividend payments, if applicable.

Returns By Period

SPCT

• 1D: 0.18%
• 1M: 2.62%
• 6M: 5.72%
• YTD: 11.62%
• 1Y: —
• 3Y*: —
• 5Y*: —
• 10Y*: —
• ALL TIME*: —

TPFG

• 1D: 0.13%
• 1M: -2.50%
• 6M: —
• YTD: —
• 1Y: —
• 3Y*: —
• 5Y*: —
• 10Y*: —
• ALL TIME*: —

*Multi-year figures are annualized to reflect compound growth (CAGR)

Liquidity Comparison

Position	Avg. Volume Value (2W)	Avg. Volume Value (1M)	Avg. Volume Value (3M)
SPCT Liberty One Spectrum ETF	$213.16K	$201.08K	$219.16K
TPFG Timothy Plan Free Cash Flow Growth ETF	$337.89K	$183.77K	$482.15K

SPCT vs. TPFG - Yearly Performance Comparison

	2026 (YTD)
SPCT Liberty One Spectrum ETF	4.37%
TPFG Timothy Plan Free Cash Flow Growth ETF	3.40%

Correlation

The correlation between SPCT and TPFG is -0.14, meaning they have often moved in opposite directions in the past. This relationship can weaken or reverse as market conditions change.

	Correlation
Correlation (All Time) Calculated using the full available price history since May 5, 2026	-0.14

Return for Risk

SPCT vs. TPFG - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for Liberty One Spectrum ETF (SPCT) and Timothy Plan Free Cash Flow Growth ETF (TPFG). Risk-adjusted metrics are performance indicators that assess an investment's returns in relation to its risk, enabling a more accurate comparison of different investment options.

Values are calculated on a 1-year rolling basis and updated daily. Risk-adjusted metrics are more stable over longer periods — use the period switch above to explore them.

Risk / return metrics aren't available yet — we need at least 12 months of trading data to calculate them.

Drawdowns

SPCT vs. TPFG - Drawdown Comparison

The maximum SPCT drawdown since its inception was -7.17%, smaller than the maximum TPFG drawdown of -13.31%. Use the drawdown chart below to compare losses from any high point for SPCT and TPFG.

Drawdown Indicators

	SPCT	TPFG	Difference
Max Drawdown Largest peak-to-trough decline	-7.17%	-13.31%	+6.14%
Current Drawdown Current decline from peak	-0.27%	-5.79%	+5.52%
Average Drawdown Average peak-to-trough decline	-1.43%	-4.26%	+2.83%

Volatility

Volatility by Period

	SPCT	TPFG	Difference
Volatility (1Y) Calculated over the trailing 1-year period	9.34%	31.43%	-22.09%
Volatility (5Y) Calculated over the trailing 5-year period, annualized	9.34%	31.43%	-22.09%
Volatility (10Y) Calculated over the trailing 10-year period, annualized	9.34%	31.43%	-22.09%

SPCT vs. TPFG - Expense Ratio Comparison

SPCT has a 0.85% expense ratio, which is higher than TPFG's 0.59% expense ratio.

Dividends

SPCT vs. TPFG - Dividend Comparison

SPCT's dividend yield for the trailing twelve months is around 0.76%, while TPFG has not paid dividends to shareholders.

Position	TTM	2025
SPCT Liberty One Spectrum ETF	0.76%	0.16%
TPFG Timothy Plan Free Cash Flow Growth ETF	0.00%	0.00%

Frequently Asked Questions

Can I hold both SPCT and TPFG in my portfolio?

SPCT and TPFG have a correlation of -0.14, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.

Which ETF is better, SPCT or TPFG?

On fees, TPFG is cheaper at 0.59% per year. The better choice depends on whether you care most about return, fees, risk, or income.

Which ETF is cheaper, SPCT or TPFG?

TPFG is cheaper with a 0.59% expense ratio, compared with 0.85% for SPCT.

Which ETF pays a higher dividend yield, SPCT or TPFG?

SPCT has the higher dividend yield at 0.76%, compared with 0.00% for TPFG.

What is the main difference between SPCT and TPFG?

They also come from different issuers: Liberty One and Timothy Plan. Their fees differ too: 0.85% for SPCT and 0.59% for TPFG.